📘 Bank Product Guide for EROs

Everything You Need to Confidently Offer and train your team to offer Refund Transfers, Refund Advances, and More

The Bank Product Guide for EROs is your complete, step-by-step resource for understanding and offering bank products during tax season. Whether you’re a first-year ERO or looking to refine your existing process, this guide will help you increase profits, stay compliant, and deliver a smoother experience for your clients.

🔍 What’s Inside:

✅ Clear definitions of refund transfers, refund advances, and how they work

✅ Eligibility requirements and what banks look for (including the 80% funding rule)

✅ Scripts and templates to offer bank products without pressure or compliance risk

✅ Document checklists to keep clean files for audits

✅ Step-by-step instructions for submitting bank products through your tax software

✅ Tips to avoid common mistakes that delay funding or cost you income

✅ Bonus: Income opportunities through add-on services and provider incentives

This guide is perfect for tax professionals who want to:

Get paid faster
Teach their team hoe to offer bank products
Eliminate upfront payments for clients
Maximize bank product volume
Maintain strong compliance and client trust