Mailing address: PO Box 1341 Whitehouse Station, NJ 08889
A Refund Transfer (RT) is for customers that want their taxes prepared professionally by you
without having to pay anything up front.
A Refund Transfer Fee will be charged upon receipt of the first funding, regardless of whether it
is a federal or state refund. A subsequent funding fee will apply for each additional funding we
receive, regardless of whether it is a federal or state refund. An RT allows customers without
bank accounts access to their funds quickly. Taxpayers won't have to wait on a paper check to
be mailed from the IRS. Bank checks printed in your office can be picked up the same day you
Many taxpayers, even those with bank accounts, prefer to pick up a bank issued check from the
safety of their tax office rather than receiving an IRS issued check in the mail or a direct deposit.
A Refund Advance (RA) is a no recourse loan secured by a taxpayer’s tax refund to eligible
applicants. If approved, a Finance Charge will apply. Advance money is typically available within
24 hours of IRS acceptance of the tax refund. There will be no collections activity on unfunded
Upon receipt of a Federal or State tax refund, the RA is repaid by deducting the loan amount
and Finance Charge from the refund. After repayment, the remaining amount of the refund is
disbursed to the taxpayer by the same disbursement option chosen for the RA proceeds
We offer Refund Advances of $6,000, $3,000, $2,000, $1,500 or $500, based on the taxpayer’s
New this year! Customers can choose which loan amount to apply for based on their net
refund! Options are based on their net refund. This can help save money for your customer
By choosing to participate in the preACK advance program, you can get a jump start on your competition by simply offering the REFUND ADVANCE as early as January 2, 2019. There is an additional charge to the ERO for offering the preACK product that cannot be passed on to the customer.
Are you cost conscious and still want to offer a Refund Advance to your customers? Choose the Fixed Refund Advance option and offer the $1,500 advance. It is a refund advance and all the same qualifications and fees apply. Another benefit to the ERO is that there is no marketing fees to the ERO. There will be an additional charge to the ERO for each approved preACK Refund Advance.
Navigator provides two forms of Tax Preparation Receivables Advances (TPA) to our ERO clients. Through our banking partner, we are able to qualify you for a pre-season advance based on a percentage of your prior year volume. And then we offer an in-season TPA in the form of a percentage of your tax preparation fees as the returns are filed electronically and acknowledged by the IRS.
Pre-season advances begin in mid December for approved EROs.
In-season advances begin when efiling begins usually the 3rd week of January and ends on February 8, 2019. We will advance up to 50% of your tax preparation fees through the TPA period.
With one or both of our programs, you’ll be able to:
The program is open to both NEW and PRIOR EROs. Fees apply to both programs. EROs start paying back the advances once funding begins usually in mid February.
Navigator helps you promote your business with our wide variety of product offerings. When you enroll with Navigator, you’ll have the benefit of professional in-office materials designed to attract and retain customers by promoting the Bank Products you offer.
If you would like to create your own Bank Product advertising or marketing, there are very specific compliance requirements for the terms and information used to describe the various products. Therefore it must first be submitted for review before you can use it. Please contact us to discuss and send us the planned material for review and approval.
Web based check printing gives you the flexibility to direct check printing at your convenience. Provide the safety and convenience of printing checks directly from your office and have the taxpayer come back in to pick it up. There is a one-time check processing fee of $5 paid out of the customers tax refund.
Customers with an existing bank account can have their refund proceeds deposited directly into their bank account. Delivered through Navigator Financial via the Refund Transfer application, the taxpayer’s routing and bank account numbers are captured for a safe and secure transfer into their checking or savings account.4
Direct Deposit a tax refund to a NetSpend® Visa® Prepaid Card and there's no waiting for a paper check.
Save money for you and your customer by eliminating another visit to the office, avoid check cashing fees for the customer, and reduce the concern of lost or stolen checks.
Every tax office will receive their initial check stock supply prior to the beginning of the tax season. In addition, Navigator Financial will make available a variety of marketing materials to help you promote Navigator products. See our marketing materials on your enrollment dashboard.
All check stock, blank and printed, must be kept in a locked area (e.g. locked drawer or cabinet). All Navigator Compliance procedures may be reviewed in the ERO Training Guide, Best Practices and the Compliance Memo.
Web based check printing gives you the safety and flexibility to direct check printing at your convenience.
Customers can cash their checks at most banks across the country as well as other check cashing locations. They also have the convenience of cashing their checks at Walmart®6
Your local bank will cash your Navigator/Republic bank checks. If you do not have a local banking relationship, we’ve made available for you an easy and economical solution for you – Cash Your Checks at Walmart®
Check cashing and other checks authorized by Walmart policy. Check cashing not available in all states and stores. Not available in NY, NJ, and in LA – checks from tax professionals can be cashed up to a max of $7,500.
Navigator Financial provides a website portal that is available 24/7 for the verification of our financial product checks. For fast and easy verification by financial institutions and check cashing services, a website address and phone number are printed on the face of all our checks.