Get Money Quickly and Conveniently
There are several options available for an extra fee that may allow you to get money faster. E-file is required for all options and the timing outlined below is from the time the IRS accepts your tax return.
| How soon do you need money? | Product | Benefit | Receive refund via: |
| 8 to 15 days |
Federal Refund Anticipation Check1 (Federal RAC)
|
|
|
| Same Day to 2 days |
Classic Refund Anticipation Loan3 (Classic RAL)
|
|
|
| Some Within Minutes |
Instant Refund Anticipation Loan4 (Instant RAL)
|
|
|
| Varies by State | State Refund Anticipation Check1 (State RAC) |
|
Receive refund via the option you selected for your federal refund. |
Learn More About Your Refund Options
1Provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE, DC, FL, IL, MA, MD, NJ, NY, OR, PA, VA, or
WA, or HSBC Trust Company (Delaware), N.A. if application is submitted elsewhere. Fees and additional terms and conditions apply.
Tax refunds can be obtained without a Refund Anticipation Check, a loan, or extra fees if tax returns are electronically filed
with direct deposit. At participating offices.
2The H&R Block Emerald Prepaid MasterCard® is issued by H&R Block Bank, a Federal Savings Bank. Member FDIC pursuant to a license from MasterCard International. Fees may apply. MasterCard is a registered trademark of MasterCard International Incorporated. Emerald Card is a trademark of HRB Innovations, Inc. This product may not be available at some locations. This product is covered by one or more of the following U.S. patents: 6,000,608, 6,189,787, 7,072,862, 7,127,425 and 7,177,829. ©2009 H&R Block Services, Inc.
3Subject to credit approval and other qualifications. Classic Refund Anticipation Loan ("Classic RAL") is a loan provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE, DC, FL, IL, MA, MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is submitted elsewhere. A Refund Account fee and a Finance Charge may be charged by the lender. An affiliate of H&R Block may purchase an interest in Classic RALs. Amount received may be reduced for certain debt owed to HSBC and H&R Block. At participating offices. Tax refunds can be obtained without a Refund Anticipation Check, a loan or extra fees if tax returns are electronically filed with direct deposit.
4Subject to credit approval and other qualifications. Instant Refund Anticipation Loan ("Instant RAL") is a loan provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE, DC, FL, IL, MA, MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is submitted elsewhere. A Refund Account Fee and a Finance Charge may be charged by the lender. An affiliate of H&R Block may purchase an interest in Instant RALs. If you apply for an Instant RAL, and you don't qualify, you may qualify for a Classic RAL. Amount received may be reduced for certain debt owed to HSBC and H&R Block. At participating offices. Tax refunds can be obtained without a Refund Anticipation Check, a loan or extra fees if tax returns are electronically filed with direct deposit.
* Costs, including tax preparation and other fees, will be deducted from the loan proceeds for a Refund Anticipation
Loan (RAL).
2The H&R Block Emerald Prepaid MasterCard® is issued by H&R Block Bank, a Federal Savings Bank. Member FDIC pursuant to a license from MasterCard International. Fees may apply. MasterCard is a registered trademark of MasterCard International Incorporated. Emerald Card is a trademark of HRB Innovations, Inc. This product may not be available at some locations. This product is covered by one or more of the following U.S. patents: 6,000,608, 6,189,787, 7,072,862, 7,127,425 and 7,177,829. ©2009 H&R Block Services, Inc.
3Subject to credit approval and other qualifications. Classic Refund Anticipation Loan ("Classic RAL") is a loan provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE, DC, FL, IL, MA, MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is submitted elsewhere. A Refund Account fee and a Finance Charge may be charged by the lender. An affiliate of H&R Block may purchase an interest in Classic RALs. Amount received may be reduced for certain debt owed to HSBC and H&R Block. At participating offices. Tax refunds can be obtained without a Refund Anticipation Check, a loan or extra fees if tax returns are electronically filed with direct deposit.
4Subject to credit approval and other qualifications. Instant Refund Anticipation Loan ("Instant RAL") is a loan provided by HSBC Bank USA, N.A. if application is submitted in CA, CT, DE, DC, FL, IL, MA, MD, NJ, NY, OR, PA, VA, or WA, or HSBC Trust Company (Delaware), N.A. if application is submitted elsewhere. A Refund Account Fee and a Finance Charge may be charged by the lender. An affiliate of H&R Block may purchase an interest in Instant RALs. If you apply for an Instant RAL, and you don't qualify, you may qualify for a Classic RAL. Amount received may be reduced for certain debt owed to HSBC and H&R Block. At participating offices. Tax refunds can be obtained without a Refund Anticipation Check, a loan or extra fees if tax returns are electronically filed with direct deposit.
* Costs, including tax preparation and other fees, will be deducted from the loan proceeds for a Refund Anticipation
Loan (RAL).
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