2020 Pricing Coming Soon!

NEW and IMPROVED 2019 Freedom Advance!

Taxpayer Advances of

$1,000 - $5,0001

Customer can choose $1,000 advance with no additional fee
Customer can accept an interest-bearing loan
based on their refund amount1

It's that SIMPLE!
No complicated percentages or calculations!

PreAck Freedom Advances beginning January 2
0.00% APR for $1,000 advance
26.07% APR on $2,000-$3,000-$5,000 loans
Quick approvals
Low ERO fees3
ONLY $55 for each PreAck advance and $40 when acknowledgements begin
Advances available with ANY of our 4 disbursement methods:
Bank Check
Direct Deposit
Prepaid Debit Card
Advance APR Taxpayer Fee
$1,000 0.00% $0
$2,000 26.07% $30
$3,000 26.07% $45
$5,000 26.07% $75

EROs can choose the pricing plan that meets their needs

Freedom to Optimize

$44.95 refund transfer fee

Includes Federal AND state processing

ERO rebate up to $122

Optimize Revenue Share

Taxpayer Value

$29.95 Federal refund transfer fee

$9.95 state refund transfer fee

Low Cost Fee Collection

1ERO approval for the River City Bank Tax Division program does not guarantee approval to offer the Freedom Advance. Qualifications will apply. Freedom Advance is an optional fixed-term loan offered by River City Bank, Member FDIC. The Freedom Advance principal loan amount, applicable interest and any fees will be deducted from federal and state tax refund proceeds. Freedom Advance is not an actual federal or state tax refund. Applying for a Freedom Advance does not guarantee approval. Qualifications and restrictions apply and all applicants may not be eligible for Freedom Advance. Freedom Advance principal amounts offered are $1,000, $2,000, $3,000 or $5,000 based on certain qualifications and the expected tax refund amount. Freedom Advance loans in the principal amount of $1,000 have an APR of 0.00%. Freedom Advance loans in the principal amounts of $2,000, $3,000 or $5,000 have an APR of 26.07% based on a 21-day term. A Freedom Advance loan with a principal amount of $2,000, $3,000 or $5,000 has an origination fee. Taxpayers eligible for a Freedom Advance loan in the principal amount of $2,000, $3,000 or $5,000 may opt for a $1,000 Freedom Advance loan to avoid interest. Refund Transfer fees may also apply. Freedom Advance and PreAck Freedom Advance will not be available with all tax software providers.

2EROs who choose Freedom to Optimize and qualify to offer the Freedom Advance must have a 0% outstanding Advance balance as of June 1, 2019 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.

3 ERO will pay a fee to the bank for each approved advance; $55 for Freedom Advances approved beginning January 2 and $40 for Freedom Advances approved after the release of the first IRS acknowledgements. The bank prohibits this fee from being passed to the taxpayer.

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 Taxpayer Value. Either option provides great benefits to make your season a success.

2017 Freedom to Choose Pricing Tiers*

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

  • FreedomONE—$1,000 Refund Advance Feature*
  • No additional cost to the taxpayer...Only $44.95** for a Federal Refund Transfer
  • No Cost to ERO
  • Includes State Refund Transfer at no extra charge
  • $10 ERO rebate*** on each fully funded Federal Refund Transfer
  • Advance proceeds are available shortly after IRS acknowledgement for qualified taxpayers who choose a bank product with the advance feature
  • No credit check required for the taxpayer
  • No additional paperwork for the ERO

[FreedomONE Program 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
  • No ERO rebate

*ERO approval for the River City Bank Tax Division program does not guarantee approval to offer the FreedomONE advance feature. Qualifications will apply. EROs that do not qualify to offer FreedomONE will be locked in at the $44.95 pricing tier. FreedomONE will not be available with all tax software providers. **Taxpayer pays NO additional cost above the bank’s $44.95 service charge for a federal product. A minimum refund and other eligibility requirements for taxpayers opting for FreedomONE will apply. Approval of a federal bank product does not guarantee approval for the FreedomONE advance feature. ***EROs who choose and qualify to offer FreedomONE must have a 0% outstanding Advance balance as of June 1, 2017 to be eligible for rebate.