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How to offer FastCashADVANCE to clients



1. Once the return is prepared, and the taxpayer is expecting a refund, and the taxpayer would like FastCashADVANCE, select the product in the tax preparation software when prompted.

2. Select the taxpayer’s preferred method for receiving the advance. Select "cashier's check" if the taxpayer would like to return later to pick up a cashier’s check or "Walmart MoneyCard" if the taxpayer would like to receive their money without returning for a check.

If the taxpayer selects a Walmart MoneyCard, take one of the sealed card envelopes from the card stock provided by TPG. Enter the 10 digit external ID displayed in the envelope window in to the appropriate field in the software’s bank application. Hand the sealed envelope to the taxpayer and have the taxpayer open it to agree to the terms and conditions. Tip: Avoid "Where's my refund?" calls by providing the taxpayer's email address, so they will receive notifications when their money is ready.

3. Have the taxpayer sign the disclosure and agreement.

4. Transmit the return as soon as possible to submit the advance application.


Fast Cash Advance is an optional tax-refund related loan provided by First Century Bank, N.A., member FDIC (it is not the actual tax refund) and is available at participating locations. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer from the refund. Fees for other optional products or product features may apply, and will be disclosed at the time of application. Tax returns may be filed electronically without applying for this loan. Loans are offered in amounts from $250–$6,000 and are offered both pre–IRS acknowledgment of the tax return and post-IRS acknowledgment of the tax return. Pre-acknowledgment loans of $3,000 or less currently have an Annual Percentage Rate (APR) of 16%, and such loans of greater than $3,000 have an APR of 45%. Post-acknowledgment loans of $250–$500 currently have an APR of 0%, and such loans of $501–$3,000 have an APR of 16%, and such loans above $3,000 have an APR of 45%. For example, for a post-acknowledgment loan of $2,000 with a repayment period of 30 days, the total amount payable in a single payment is $2,026.30 including principal and interest.  Not all consumers will qualify for a loan or for the maximum loan amount.  Offer and terms subject to change at any time without prior notice.

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