Get your refund proceeds quickly and conveniently.
Instant Refund Anticipation Loan (IRAL) - H&R Block guarantees you'll get the lowest price on a refund anticipation loan when you put it on an H&R Block Emerald Prepaid MasterCard® or your tax preparation is free.¹ Get the safety and convenience of a card to use anywhere MasterCard debit cards are accepted. IRALs are available starting Jan. 11, 2008.
Refund Anticipation Check (RAC) - Pay for your tax preparation fees with your refund. There are no out-of-pocket expenses for you. Plus, you can get the balance of your refund on an H&R Block Emerald Prepaid MasterCard, as a check or direct deposit in approximately 8 to 15 days.² RACs are available starting Jan. 11, 2008.
State Refund Anticipation Check - Get the balance of your state refund on an H&R Block Emerald Prepaid MasterCard, as a check or direct deposit in approximately 8 to 15 days.² State RACs are available in 42 states for $13 starting Jan. 11, 2008.
Refund Anticipation Loan (RAL) - Get your refund fast when you file your taxes with us. Receive the amount of your anticipated federal tax refund (minus bank and H&R Block fees) on an H&R Block Emerald Prepaid MasterCard, a loan check or direct deposit within 1 to 2 days after filing your return. Plus, your H&R Block tax preparation fees are paid out of the loan, so you pay nothing out-of-pocket.³ RALs are available starting Jan. 11, 2008.
Learn more about your refund options.
¹Low priced refund anticipation loan ("RAL") available when RAL is loaded on
an H&R Block Emerald Prepaid MasterCard®. If you find a lower priced
RAL at another tax prep provider we'll prepare your 2007 income tax return for free.
Claims must be made by April 30, 2008. RAL subject to credit approval and other
qualifications. RAL provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware),
N.A. A Refund Account fee and a Finance Charge are charged by the lender. Amount
received may be reduced by debt owed for a prior RAL and fees owed to H&R Block.
Those who e-file with direct deposit without taking a RAL typically receive their
federal income tax refund in 8-15 days. The H&R Block Emerald Prepaid MasterCard®
is issued by H&R Block Bank, a Federal Savings Bank, Member FDIC. Fees may apply.
At participating offices.
²Provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.
³Subject to credit approval and other qualifications. Refund Anticipation Loan ("RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. An account fee and a finance charge are charged by the lender. Amount received may be reduced by debt owed for a prior RAL and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive refunds in 8-15 days.
²Provided by HSBC Bank USA, N.A. or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.
³Subject to credit approval and other qualifications. Refund Anticipation Loan ("RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. An account fee and a finance charge are charged by the lender. Amount received may be reduced by debt owed for a prior RAL and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive refunds in 8-15 days.