RCB Tax Division provides EROs the greatest flexibility in the industry—because nobody knows your customers and your market better than you!

With Freedom to Choose, EROs have the choice of offering one of the following tiers: Freedom to Optimize OR Fee Collection Taxpayer Value. Either option provides great benefits to make your season a success.


2018 Freedom to Choose Pricing Tiers*

Freedom to Optimize – $44.95—Enhance the Refund Transfer Experience

  • FreedomAdvance—$1,750 Refund Advance*
  • Only $44.95 for a Federal Refund Transfer
  • Freedom Advance available at no extra cost to the taxpayer**
  • Includes State Refund Transfer at no extra charge
  • Up to a $12 ERO rebate*** on each fully funded Federal Refund Transfer with an additional $10.00 rebate for EROs using the ELEVATE Prepaid Visa® Card†
  • Advance proceeds are available shortly after IRS acknowledgement for qualified taxpayers
  • No credit check required for the taxpayer
  • No additional paperwork for the ERO

[Freedom Advance not available in Illinois.]


Taxpayer Value - $29.95 - Low Cost Fee Collection Option

  • Priced at just $29.95 for Federal Refund Transfer
  • State Refund Transfer available for an additional $9.95
  • $10.00 rebate per funded card for EROs using the ELEVATE Prepaid Visa® Card†

Final RT pricing may vary based on tax software provider.

*ERO approval for the River City Bank Tax Division program does not guarantee approval to offer the Freedom Advance. Qualifications will apply. Freedom Advance approval is based on minimum refund and other eligibility requirements. Freedom Advance is a one-time, no recourse loan available to qualified taxpayers which is later deducted from their Federal or State refund. Freedom Advance will not be available with all tax software providers. **Taxpayers may apply for a Freedom Advance with or without the purchase of a refund transfer. ERO will pay a fee to the bank for each approved Freedom Advance and the bank prohibits this or any fee from being passed on to the taxpayer for the Freedom Advance. ***EROs who choose and qualify to offer the Freedom Advance must have a 0% outstanding Advance balance as of June 1, 2018 to be eligible for rebate. Rebate not available in all states depending on tax software provider. Base rebate for each fully funded Federal product is $10.00 and may increase to $12 with volume requirements. †Additional $10.00 rebate for each federal product distributed on an ELEVATE Prepaid Visa® Card is paid by ELEVATE Prepaid Visa® Card. Volume requirements apply. The Elevate Prepaid Visa Card is issued by SUNRISE BANKS N.A., MEMBER FDIC, pursuant to a license from Mastercard International. Mastercard is a registered trademark of Mastercard International. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.