REFUND ANTICIPATION CHECK:
PAY NOTHING
OUT-OF-POCKET

Conveniently get your refund and pay no tax preparation fees up front when filing your federal or state taxes.

When filing your Federal or State taxes you can use a Refund Anticipation Check (RAC) to pay for your tax preparation and related fees without having to pay up front. It’s a convenient way to get your refund.

  • You can choose to receive your tax refund proceeds, minus tax preparation and processing fees, on an H&R Block Emerald Prepaid MasterCard®110, via a physical check or deposited to an existing account.
  • State RAC is disbursed using the same method you chose for your Federal RAC
  • Typically receive your funds within 21 days.139
  • Email alerts when funds are available.120
  • Federal RAC Fee $34.95
    State RAC Fee $13.00
    (Additional $25 fee for a paper check)

Refund Anticipation Check (RAC) is a tax refund-related deposit product provided by BofI Federal Bank, Member FDIC. Fees apply. You must meet legal requirements for opening a bank account. RAC is a bank deposit, not a loan, and is limited to the size of your refund less applicable fees. You can e-file your return and get your refund without a RAC, a loan or extra fees. Maine License No.: FRA2. Available at participating offices.

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that is convenient for you.

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Your Refund, Your Way

Put your tax refund on an H&R
Block Emerald Prepaid MasterCard®
for easy and convenient spending.

Put your refund on an Emerald MasterCard® for easy and convenient spending.

Learn More

Need Live Support? 1-800-HRBLOCK (1-800-472-5625) or Find An Office