IRS Refund and Advance Options

Choose from the following Refund Options:

Paper Check. Refund check(s) mailed by taxing authority and arrives in approximately 3-4 weeks after your return has been accepted by the IRS or state.

Direct Deposit. Your refund(s) will be directly deposited by the taxing authority into your bank account usually within 21 days after the IRS or state has accepted your return.

NetSpend® Liberty Tax® Prepaid MasterCard®. Your refund(s) will be loaded on a NetSpend® Liberty Tax® Prepaid MasterCard® usually within 21 days after your return is accepted. 1 Additional fees may apply. 

Refund Transfer (RT)2.  By choosing a Refund Transfer, you get the convenience of an IRS Direct Deposit and no upfront fees.  Once the IRS or state sends your refund, usually within 21 days, your fees can be deducted from the refund proceeds.  The balance of your refund will be disbursed as a check printed in the tax office, direct deposited in your personal bank account or loaded on a NetSpend® Liberty Tax® Prepaid MasterCard®. 1 Additional fees may apply. 

For free tax advice or to schedule an appointment, contact your local office by calling 1-866-871-1040 or use our office locator to find the Liberty Tax nearest you. 

Ready to file? Start your taxes online or learn more about our Liberty Tax preparation software. 


1The NetSpend Liberty Tax Prepaid MasterCard is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend, a TSYS® Company, is a registered agent of MetaBank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

The NetSpend Liberty Tax Prepaid MasterCard may be used everywhere MasterCard is accepted.   

MasterCard is a registered trademark of MasterCard International Incorporated. All other trademarks and service marks belong to their respective owners.   

© 2014 Total System Services, Inc.® All rights reserved worldwide. TSYS and NetSpend are federally registered U.S. service marks of Total System Services, Inc.

2 A Refund Transfer (RT) is a financial product offered by River City Bank Tax Division or Republic Bank & Trust Company, Member FDIC, and processed by JTH Financial, LLC.  An RT is not a loan.  An RT Fee (if applicable) and all other authorized fees will be deducted from your refund once it has been received from the IRS or state.  Your tax preparer can provide you with more information about RTs and cost-free refund options. 


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