Republic Bank
At Republic Bank, we have the reliability and experience you can bank on!
About Republic Bank
Republic Bank offers our tax industry partners years of experience as a trusted and proven provider of Advances3 and Refund Transfers1.
As an industry leader, Republic Bank has consistently delivered innovative products and programs for you to select an option that meets your business needs such as:
- New! Offer customers a way to receive their refund up to 5 days faster with Early Access5 for Direct Deposit and Check disbursement options.
- Refund Transfer1
- RT Basic2: (Now includes Taxpayer Advance and check as a disbursement option)
- Easy Advance3 Programs: Taxpayer Advance amounts from $500 - $6,000 based on their expected refund.
- preACK4 Easy Advance
- Software Purchase Assistance: Take advantage with early pricing! Republic will pay for your software with no fees charged.
Partnering with Republic Bank provides Drake customers with a smooth integrated process! Offering easy check printing, detailed reports, flexible taxpayer advance programs and more! Plus, In addition, Republic Bank offers receivables assistance and tailored incentives to help manage cash flow and grow your business.
More Information
- Learn about product pricing and details available at www.republicrefund.com/drake
To sign up to provide bank products, sign in to the Drake Support website and select Account > Bank Application.
1. A Refund Transfer is a fee-based product offered by Republic Bank & Trust Company, Member FDIC. A Refund Transfer Fee and all other authorized amounts will be deducted from the taxpayer’s tax refund. Pricing and rebates vary by software. The tax preparer is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
2. A Refund Transfer is a fee-based product offered by Republic Bank & Trust Company, Member FDIC. A Refund Transfer Fee and all other authorized amounts will be deducted from the taxpayer’s tax refund. ERO offices that choose RT Basic are not eligible for rebates. The tax preparer is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
3. ERO must be enrolled for Republic Bank’s Refund Transfer Program to offer the Easy Advance programs. Cost to ERO per approved Easy Advance, if any, will be deducted from ERO tax preparation fees and cannot be passed to the taxpayer. If a customer does not choose a Refund Transfer, disbursement options are direct deposit or prepaid card. Net Refund refers to the taxpayer’s expected refund amount after deduction of all fees. Subject to additional terms and conditions. All information is as of August 2026 and is subject to change.
4. There will be a charge to the ERO for each approved preACK Easy Advance.
5. Early Access is an optional service that allows eligible Federal RT check and direct deposit disbursements to be made available sooner than standard delivery timelines. You will be charged an Early Access Fee of $25 by Republic Bank & Trust Company, Member FDIC, if you select Early Access. The Early Access Fee will be refunded to you if Republic does not disburse your federal RT at least two (2) business days before the IRS Deposit date of your tax refund. It does not cause the IRS to process your return or refund faster. Timing is not guaranteed and depends on when the IRS sends its payment instruction, the IRS funding date, eligibility and fraud-prevention requirements, and your financial institution’s posting practices. Personal federal returns only. Not available for state refunds.
All trademarks not owned by Drake Software, LLC (“Drake Software”) that appear on this page are the property of their respective owners, who are not affiliated with, connected to, or sponsored by Drake Software.
Frequently Asked Questions
What bank products does Republic offer through Drake?
Republic offers refund transfers—including Early Access for RT, which can get qualifying taxpayers their refund transfer up to 5 days faster*—plus Easy Advance programs, preACK Easy Advance, EASY100 Advance, NetSpend prepaid card, and Software Purchase Assistance for Drake Tax. The ERO turns on Early Access on the Republic bank screen in the return; the $25 fee applies only if the taxpayer qualifies and actually receives their RT within the early expected timeframe. Compare Republic with EPS, Santa Barbara TPG, and Refund Advantage on the bank partners hub.
What are Republic Easy Advance programs?
Republic Easy Advance programs are taxpayer advance loans from $500 to $6,000 based on expected refund, including Easy Advance Plus and Easy Advance Customer Pay options. EROs must be enrolled in Republic's refund transfer program to offer them.
Is there a fee for printing checks in my office?
Yes. Republic may charge taxpayers a $10 disbursement fee when the refund is paid by check printed in your office under RT Basic. Pricing and rebates vary by software; see EPS and Refund Advantage for alternative disbursement fee structures.
Who is eligible for a Republic Bank refund advance?
Taxpayers must apply and pass Republic's underwriting; EROs must be enrolled in Republic's refund transfer program to offer Easy Advance or preACK. Eligibility and amounts are determined by Republic, not Drake.
How much can a taxpayer receive through Republic Bank Easy Advance?
Republic Easy Advance programs provide taxpayer advances from $500 up to $6,000 based on expected refund. RT Basic also includes taxpayer advance and check disbursement options in one program.
How long does Republic Bank take to fund an approved Easy Advance?
PreACK advances can fund before IRS acknowledgment; post-ack products fund after return acceptance requires IRS acknowledgment to fund through April 15. Exact timing follows Republic's product rules at enrollment.
What happens if a Republic Bank Easy Advance is denied?
A denied client can still file electronically and choose RT Basic, direct deposit, or NetSpend prepaid card disbursement without the advance. Any ERO cost for an approved advance is deducted from prep fees and cannot be passed to the taxpayer.
What Republic Bank disbursement options are available in Drake?
Republic supports direct deposit, NetSpend prepaid card, and in-office check printing through Drake Tax bank product screens. If no refund transfer is selected, disbursement options are direct deposit or prepaid card only.