Tax Time
A Comprehensive Income Tax and Financial Management Service

Refund Options

There are many options for your tax refund.


  • Pressure a taxpayer into taking an EPS Bank Product
  • Pressure a taxpayer into taking a particular disbursement option

We make sure the taxpayer is aware of ALL refund options. Even if the taxpayer asks for a specific product my staff is REQUIRED and will provide information about all refund options.

IRS Options

Every taxpayer needs to be aware of the IRS refund options

  • IRS Direct Deposit

o   Refund received within 21 days directly from the IRS

o   The IRS does not charge for this option

o   The taxpayer who chooses this option cannot pay tax preparation fees out of their refund

  • IRS Mailed Check

o   Refund sent through the mail within 21 days directly from the IRS

o   The IRS does not charge for this option

o   Taxpayer who chooses this option cannot pay tax preparation fees out of their refund

EPS Bank Product Option

A Refund Deposit Account is not a loan - it is an account established by EPS at the Bank in order to facilitate the funding of the two different disbursement methods.

  • The EPS fee charged to the taxpayer ranges from $0-30, depending on which disbursement method is selected (see below)
  • Tax preparation fees are deducted from the refund when it is deposited to the Refund Deposit Account
  • The taxpayer can have a State tax refund(s) disbursed the same way as an IRS tax refund through an EPS Bank Product
  • There are no guarantees that the Department of the Treasury deposits refunds within a specified time or in their entirety. For example, it may delay a refund due to processing problems or, it may offset some or all of the refund. The Department of the Treasury is not liable for any loss suffered by taxpayers, Providers, or financial institutions resulting from reduced refunds or not honored Direct Deposits, causing it to issue refunds by check.
  • All fees and other known deductions will be disclosed that will be paid from refund and the remaining amount the taxpayers will actually receive
  • Tax preparation fees will be deducted from the first tax refund (IRS or State) deposited into the Refund Deposit Account, whether from the IRS or the state
  • If for any reason the refund is not received, the customer remains responsible for paying the tax preparation fees by another method
  • A Refund Deposit Account is not to be used for collection of unpaid tax preparation fees for a prior year(s)

Disbursements and Pricing

  • E1 Visa® Prepaid Card - Taxpayer pays $0 account set-up fee. Card is instantly issued to taxpayer at time of request for this EPS Bank Product
  • Direct Deposit of tax refund - Taxpayer pays $15 set-up fee. Tax refund proceeds are directly deposited into taxpayer’s personal bank account
  • Check - Taxpayer pays $20 account set-up fee. TAXTIME prints refund check in the office for the taxpayer
  • If an additional deposit is received - $5 for Direct Deposit or $10 for Check

EPS Tax Refund Advance

This is an optional tax-refund related loan provided through MetaBank (It is not the actual tax refund) at part participating location.  The amount of the advance will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer.  Tax returns may be filed electronically without applying for this loan.  Loans offered in amounts of $500, $800, or $1,200.  Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.  IRS delays may affect the delivery timing of loan proceeds.


3902 Ednor Road, Baltimore, MD 21218

16 W. 25th Street, Suite 301, Baltimore, MD 21218

410-889-8299 (p)  410-889-1535 (f)

“A reputation built on quality personal service”

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