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

Taxpayer Advances up to


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


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 the 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 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.

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.