Bank Products for Tax Preparers
Grow your business with bank products designed for users of Integrity Tax Software. These solutions provide a scalable way to attract more clients, complete more returns, ensure reliable payments, and increase your earnings this tax season.
What Is a Bank Product for Tax Preparers?
A bank product is a refund-based service that allows tax professionals using Integrity Tax Software to deduct their preparation fees directly from a client’s refund, instead of requiring payment upfront.
How It Works?
You prepare and electronically file the tax return.
The client selects the pay-by-refund option (along with any other eligible services).
Once processed, the IRS issues the refund and sends it through the chosen bank product program.
Approved fees, including your preparation fee, are deducted and paid to you.
The remaining balance is delivered to the taxpayer using their selected disbursement method.
Why Offer Bank Products?
Unlock more revenue and better client experiences with integrated bank products.
Benefits for Tax Preparers
- Higher Conversions During Peak Weeks — Close more returns when demand is highest
- More Reliable Fee Collection — Get paid faster and more consistently
- Less Time Chasing Payments — Spend less time on follow-ups and more time preparing returns
- Competitive Edge — Stand out from other preparers by offering modern payment and financing options
- Serve a Wider Client Base — Help clients who need flexible payment solutions
- Flexible Provider Setup — Easy integration with your existing workflow
Benefits for Your Clients
- No Upfront Preparation Fees — File now and pay later
- Greater Payment Flexibility — Choose what works best for their budget
- More Refund Delivery Options — Faster and more convenient ways to receive their refund
- Immediate Financial Support — Access up to $7,500 in minutes when they need it most
Benefits for Tax Preparers
Bank products remove the hassle of upfront payments, helping you close more clients during the busiest weeks while collecting your fees through a smoother, more reliable process.
Here are the key outcomes you can expect:
Higher Conversions in Peak Weeks
“No upfront fees” is a powerful differentiator that attracts price-sensitive clients and helps you close more returns when it matters most.
More Reliable Fee
Collection
Fees are seamlessly deducted from the client’s refund, eliminating the need to chase payments.
Less A/R Work
Reduce follow-ups and uncomfortable collection calls so you can focus on preparing returns instead of chasing money.
Competitive Edge
Offer the same modern, flexible options as big tax chains and online services — giving you a real advantage in the
market.
Serve a Wider Client Base
Reach more clients, including those who cannot or prefer not to pay upfront, significantly expanding your customer
pool.
Flexible Provider Setup
Easily integrate Sigma’s professional tax software with bank products and choose from trusted banking partners that best fit your business.
Benefits for Your Clients
Bank products give your clients more control and flexibility over how they pay for tax preparation and how they receive their refund — especially with the shift toward faster electronic options.
Here are the biggest benefits your clients will love:
No Upfront Preparation Fees
Pay your tax prep fees directly from your refund (Pay-by-Refund option) instead of paying out of pocket.
More Payment Flexibility
Clients who can’t or don’t want to pay upfront can still file early and get their taxes done on time.
More Refund Delivery Choices
Offer multiple convenient ways to receive their refund, depending on the program.
Immediate Financial Support
Get cash when they need it most with refund advances up to $7,500 (on a loan basis).
Clearer “Net Refund” Experience
Show clients exactly how much they’ll receive after fees are deducted — no surprises.
Bank Product Options for Tax Professionals
Integrity Tax Software supports all major bank product categories, giving you powerful and flexible options to serve more clients and run your business more efficiently.
Here’s a clear overview of the most common bank products:
Refund Transfers (Pay-by-Refund)
The most popular and widely used option.
Your client pays preparation fees directly from their tax refund. The settlement bank receives the refund, deducts your authorized fees, pays you immediately, and disburses the remaining amount to the client. Clean, reliable, and stress-free.
Refund Advances (Taxpayer Advances)
Short-term loans issued against the client’s expected refund (up to $7,500).
Provides clients with immediate cash when they need it most.
Key Points to Communicate Clearly:
- This is a loan, not the actual refund
- Approval is not guaranteed — it depends on the program
- It does not speed up IRS refund processing
Pre-Season ERO Loans
Funding available before tax season to help cover upfront business expenses such as software, rent, staffing, and marketing. Gives you strong cash flow heading into the busy season.
In-Season ERO Loans
Cash flow support during peak filing months.
Helps keep your office running smoothly while processing returns. Terms vary by provider.
After-Season Fee Collection
Programs designed to recover unpaid preparation fees after the season ends.
Excellent for handling exceptions and late payments professionally.
Pro Tip:
Availability, eligibility, fees, and product names vary by bank partner. Integrity Tax Software makes it simple to connect with the right providers and configure all bank products directly inside your tax preparation software.
Our Trusted Bank Partners
We work with multiple trusted banking providers so you can choose the right programs for your clients and your workflow — all fully integrated inside our professional tax preparation software.
Tax Products Group (TPG) - Bank Products
Santa Barbara Tax Products Group (TPG), based in San Diego, was formed in 2010 after the tax products division of Santa Barbara Bank & Trust was sold. Drawing on nearly two decades of experience in the industry, TPG focuses on delivering reliable customer support and competitively priced financial solutions.
Refund Advantage - Bank Products
Refund Advantage stands out for having launched the refund banking programs for two other national tax refund product providers. The company is focused on delivering an improved refund banking experience by offering a flexible program that allows users to tailor their accounts in multiple ways while maximizing their earnings.
Republic Bank Tax Refund Solutions
With more than 25 years of experience in the e-file industry, Republic Bank is a reliable provider of Refund Transfers* and Easy Advances**. Each tax season, millions of customers choose its Refund Transfer service to receive their refunds quickly and conveniently, with tax preparation and related fees deducted directly from the refund amount.
Find Your Right Fit at a Glance
Here’s a quick comparison table to help you choose the best bank product provider:
| Solution / Partner | Best For |
|---|---|
| Tax Products Group (TPG) | Tax offices looking for a widely used, full-suite tax ecosystem with strong support |
| Refund Advantage | Independent tax professionals who want maximum flexibility and a full menu of options |
| Republic Bank | Established offices that prefer reliable programs and smart seasonal planning |
How To Start Offering Bank Products with Integrity Tax Software
Getting Started is straight-farward when you follow this clear, repeatable setup process.
Step 1: Choose Your Integrity Software
Integrity Tax Software delivers powerful professional tax preparation tools with seamless bank product integration for all major tax forms.
Step 2: Select Your Bank Partner(s)
Choose the bank partner(s) that best align with your office goals and client requirements this tax season.
Step 3: Submit Required Documents to Integrity
Our streamlined process makes it simple — just send us the paperwork, and we’ll handle bank registration, integration, and confirmation quickly.
Step 4: Present Options with Simple Scripts
Use our ready-made, compliance-friendly scripts to clearly explain bank product options to your clients.
Step 5: Set Clear Client Expectations
Inform clients that most IRS refunds are issued within 21 days, though some may take longer depending on individual cases.
How To Start Offering Bank Products with Integrity Tax Software
A bank product is a service that allows your clients to pay their tax preparation fees directly from their refund instead of paying upfront.
No, they are completely optional. However, most tax professionals offer them because they increase conversions, simplify fee collection, and give a strong competitive advantage.
No. Bank products do not speed up IRS refund processing. The fastest way is still e-filing with direct deposit. Bank products mainly help clients avoid delays with paper checks and access electronic refund options.
A refund advance is a short-term loan against the client’s expected refund (up to $7,500). It is approval-based, and the loan is repaid automatically when the IRS issues the refund. It is not the actual refund — it’s lender-funded.
Many offices choose to offer advances to stay competitive, especially against big franchises and online tax services. Clients often prefer offices that can provide immediate cash when needed.
Yes! Starting with bank products (especially Refund Transfers) helps you remove upfront fee barriers, attract more clients quickly, and build a strong track record for future seasons.
- Refund Transfers (Pay-by-Refund)
- Refund Advances (short-term loans)
- Office funding options (Pre-season & In-season ERO loans)
Availability depends on the bank partner and your office profile.
Fees vary by provider and may include a refund transfer fee, delivery fees, or technology fees. These are typically deducted from the client’s refund. We recommend clear “net refund” disclosures so clients always know exactly what they will receive.
You are usually paid within 21 days after the return is filed and the refund is processed. In most cases, payment is fast and reliable.
We recommend applying before peak season so your account is fully set up, compliant, and ready when filing volume increases.
If the IRS reduces the refund (due to offsets or adjustments), the bank follows program rules to adjust the disbursement. Clear upfront communication and proper disclosures help manage expectations.
Yes. Integrity Tax Software supports multiple bank partners at the same time. Our team can recommend the best combination based on your goals.