Unity Bank Product Options
Take advantage of the lowest priced bank product offerings in the market, get your customers their money quickly and collect yours sooner.
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About Republic Bank
With over 30 years of experience in the e-file industry, Republic Bank Tax Refund Solutions is a trusted and proven provider of Refund Transfers and Easy Advances.
Republic Bank processes millions of taxpayer refunds throughout thousands of tax offices each year and they are committed to providing your business with the products and support you need to be successful year after year.
At Republic Bank, they have the reliability and experience you can bank on!
Refund Transfer
- The Refund Transfer Fee for the customer is $0.00.
- The Subsequent State Funding Fee is $0.00
Easy Advance
- The Easy Advance (EA) gives your customers the option to apply for a loan secured by their tax refund.
Easy Advance Products
Easy Advance Plus
With the Easy Advance Plus, you can offer in-season loans based on the taxpayer’s net refund.
- Shared cost between taxpayer and ERO.
- Customers choose their loan amount from $500 to $6,000, dependent upon their net refund.
- Available to new and returning EROs.
preACK Easy Advance
- With preACK Easy Advance you can offer loans prior to tax season starting.
- Customers choose their loan amount from $500 to $6,000, dependent upon their net refund.
- Add-on to any Easy Advance program.
Additional Easy Advance Details
- EROs must enroll to offer.
- Easy Advance is available through February.
- PreACK Easy Advance is available January 2nd to the start of tax season.
Prepaid Card
The Netspend® Visa® Prepaid Card is available as a disbursement option for your clients and allows you to:
- Clients can receive their refund up to 2 days faster.
- Save time and money on in-office check printing costs.
- Improve operational efficiencies associated with issuing checks.
- Reduce call volume for customers requesting information about their refund status.
RAP and Preseason RAP Options
Receivables Assistance Program (RAP)
- Get up to $250,000.
- Receive 50% of tax prep fees when filing season begins*.
- Start paying back your balance plus a 3% origination fee once funding begins.
- Open to new and existing EROs.
*If enrolled in both preseason RAP and RAP:
In-season RAP advances would begin once your tax preparation fees submitted are twice the preseason RAP amount advanced.
Preseason RAP
- Republic Bank will provide an advance payment in early December to approved EROs.
- Once funding begins, we will withhold 50% of your tax prep fees to pay back your balance plus a 4% origination fee.
- Sign-up begins in late fall.
- EROs with prior Republic Bank experience can apply for pre-season RAP.
With one or both of our programs, you'll be able to:
- Cover office expenses.
- Advertise to new and existing customers.
- Pay your employees.
- Update computers or software.