Does IRS endorse bank products such as Refund Anticipation Loans (RALs)?
No. You are under no obligation to use Refund Anticipation Loans or purchase any product from the software company (Some participating companies do not offer such services). Obtaining a fee-based product is a decision left to the individual taxpayer. If you choose to e-file you can expect to receive your refund in half the time than filing by paper, even faster with Direct Deposit. The IRS reminds taxpayers that using e-file with direct deposit can lead to receiving a refund in two weeks or less.
