Better Programs. More Options.
Announcing Our 2020 Freedom Advance
& Refund Transfer Solutions!

Taxpayer Advances up to

$5,0001

PreAck Advances Beginning January 2, 2020
(Advances approved prior to IRS acknowledgment)

CHOOSE FROM 3 ADVANCE PROGRAMS

Refund Transfer Fee to the Taxpayer In-season ERO Marketing Fee5 ERO Rebate2

Freedom to Optimize: High Rebate Advance Program2

-for EROs looking to increase revenue- 		$44.95 $24.95 Up to $273

Freedom to Optimize: No ERO Marketing Fee Advance Program

-for EROs needing lower upfront expenses- 		$44.95 $0 Up to $154

Taxpayer Value: Low Cost Advance Program

-for EROs wanting a low-cost value for the taxpayer- 		$29.957 $24.95 Up to $154
✓ Freedom Advance amounts of $1,000 - $2,000 - $3,000 - $5,000 based on the anticipated refund amount. A customer’s history with River City Bank does NOT determine their advance amount. Even new customers with an eligible refund amount can receive a $5,000 Freedom Advance!
✓ Taxpayer pays an APR of 0% or 36% based on advance amount.
✓ Taxpayer has the option of choosing a $1000 Freedom Advance with 0% APR1.
✓ Freedom Advances available to new and returning EROs.
✓ Advances available in all states.
✓ Advances available with ALL 4 disbursement options:
Netspend® Visa® Prepaid Card6
Bank Check
Direct Deposit

Don’t need taxpayer advances? No problem.

Choose the refund transfer pricing tier that suits your business best.

Freedom to Optimize

$44.95 first refund transfer fee

Includes unlimited federal and state refund transfers; no additional cost for subsequent deposits

ERO rebate up to $273

Optimize Revenue Share

Taxpayer Value

$29.95 first refund transfer fee

$9.95 for unlimited subsequent refund transfers

ERO rebate up to $154

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 the expected tax refund amount. Freedom Advance loans have an APR of 36% based on a 30-day term. Subject to Freedom Advance eligibility and underwriting requirements, a Freedom Advance loan with the principal amount of $1,000 applied for and originated after the IRS has acknowledged the taxpayer’s federal tax return will have an APR of 0%. All other Freedom Advance loans have 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, including a PreAck Freedom Advance, to pay a lower origination fee and may delay applying for a Freedom Advance in the amount of $1,000 until after the IRS has acknowledged the taxpayer’s federal tax return to avoid interest entirely. Refund Transfer fees may also apply. Freedom Advances and PreAck Freedom Advance may not be available with all tax software providers.


2For EROs choosing Freedom to Optimize with High Rebate Advance Program: River City Bank ERO rebate up to $12 for all disbursement types is subject to volume requirements and ERO’s Freedom Advance losses. Base rebate for each fully funded refund transfer is $10.00 and may increase to $12 with volume requirements. Fully funded is defined as any taxpayer’s federal or state refund which is sufficient enough to cover the entire first refund transfer fee and is funded prior to June 1, 2020. Rebate not available in all states depending on tax software provider. River City Bank reserves the right to withhold any and all ERO rebate for any amounts owed for fraud or other issues or if ERO has been removed from the program for any reason.


3Total combined rebate includes River City Bank ERO rebate up to $122 and Netspend Card rebate up to $154 for prepaid card disbursements.


4An ERO office will receive a rebate of $10 for each Netspend Card, up to 10 (ten) cards, and $15 for 11 (eleven) or more cards, issued and funded by a Refund Transfer with at least $50 between January 1, 2020 - December 31, 2020 (the “promotional period”) to qualify for this offer from River City Bank. Netspend or Visa are not affiliated in any way with this offer and do not endorse or sponsor this offer.


5ERO Marketing Fee of $72.95 for approved PreAck advances in all programs.


6The Netspend Visa Prepaid Card is issued by MetaBank, Member FDIC pursuant to a license from Visa U.S.A. Inc. Netspend, a TSYS® Company, is a registered agent of MetaBank. This card may be used everywhere Visa debit cards are accepted. Card use is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement at www.rcbtaxdivision.com/products for details. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.


7One-time fee of $9.95 will apply for unlimited subsequent Refund Transfers.


Netspend® Visa® Prepaid Cards

Give Clients Access to Their Tax Refund with a
Netspend Visa Prepaid Card1

Direct Deposit a tax refund to a Netspend Visa Prepaid Card and there's
no waiting for a paper check.2

As an ERO, a Netspend Visa Prepaid Card allows you to:


  • Earn up to a $15 rebate for each Refund Transfer 3 funded to a card.
  • Minimize office visits for customers returning to pick up one or more checks.
  • Attract new customers and drive customer retention.
  • Reduce your time and cost associated with issuing checks and responding to customer requests about refund status.

Your customers who direct deposit their tax refund to a Netspend Card:


  • Avoid waiting for a paper check.2
  • Receive a text 4 or email when their refund is deposited when they are enrolled in Anytime Alerts ™.
  • Eliminate check cashing fees on those funds. (Fees & terms apply to use the card.)
  • Reduce worry about lost or stolen paper checks.

What else does a Netspend Card offer your customers?


  • Direct deposit for payroll and government benefits.
  • Cash back rewards 5 on selected purchases.
  • Ability to load checks 6 to a Card Account using the Netspend Mobile App. 4

What's Next? Enroll today to offer the Netspend Prepaid Card.


  • Indicate on your ERO application that you want to offer Netspend Prepaid Cards. You can also enroll by calling River City Bank at 1-888-820-7848.
  • The cards, issuing instructions and marketing kit will be sent separately from your regular shipment of tax season materials.

Your Netspend marketing kit includes:


  • Table Tents
  • Counter Mat
  • Tip Sheets
  • Welcome Kits

Your cards and marketing materials should arrive by December 26 th 2019.

If you haven't received your materials or need to order additional materials, please contact Netspend Partner Services 1-866-397-5643.



1IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver's license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.


2Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit www.irs.gov/refunds.


3A Refund Transfer is a fee-based product offered by River City Bank, Member FDIC. A Refund Transfer and all other authorized fees will be deducted from your tax return. Visit your tax preparer to learn about all filing options, including obtaining your refund at no additional cost.


4Netspend does not charge for this service, but your wireless carrier may charge for messages or data.


5Payback Rewards is an optional program. You may opt-out at anytime by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank® and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.


6Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes, but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details.


The Netspend Visa Prepaid Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend, a Global Payments Company, is a registered agent of MetaBank. Card may be used everywhere Visa debit cards are accepted. 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 activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.


©2020 Global Payments Inc. All rights reserved worldwide. Global Payments is the federally registered U.S. service mark of Global Payments Inc. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.

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.]

OR

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.