This is the fastest method for receiving your money based on your federal tax refund. Get it within 1 to 3 days! Your RAL application submitted to SBBT is considered for approval once the IRS accepts your filed tax return. When approved for the RAL*, the qualified amount of your refund is paid to you (after preparation and bank fees are deducted). *If the IRS accepts your return and your RAL application does not get approved for any reason, your account will automatically be converted to an RT (explained in next section). You will only be charged the RT rate if your loan is not for the entire amount of your refund, the remaining portion will act as a RT(no additional charge for the RT portion). If you receive a loan from SBBT and the IRS does not pay the Balance owed to the bank, you are responsible for repayment. Two options to receive your money!!!! 1. Cashier’s Check Once the RAL is approved or IRS funding occurs (for RTs), a cashiers check is made available to you. This is the fastest method of receiving your refund amount. 2. Direct Deposit Payment may be sent directly to your checking or savings account via the ACH Direct Deposit method. It may take an additional 1 to 2 business days after SBBT disburses your money for funds to reach your bank account. Click here to find out how to check on the status of your refund!! |
| Instant Federal Refund Anticipation Loans (RALS) |
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