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									         Refund Advantage –ProSeries Basic
         Software Interface Guide (SIG)
This reference document will give you an overview on how to use Refund Advantage
with ProSeries Basic. If you are not using ProSeries Basic, please contact Refund
Advantage at 1-800-967-4934 so that we can send you the appropriate SIG.




     Index of Guide Topics

 1. Introduction: Participation in the Refund Advantage Program              Pg 2

 2. Getting Started: Connecting ProSeries Basic and Refund Advantage         Pg 4

 3. Establishing prior year status for your clients                          Pg 4

 4. Networking your Refund Advantage program                                 Pg 4

 5. Setting Refund Advantage as your default bank in ProSeries Basic         Pg 4

 6. Defaulting a minimum fee requirement                                     Pg 5

 7. Entering your fees per electronic refund product request                 Pg 5

 8. Refund Advantage electronic refund product options                       Pg 7

 9. Providing ERC or ERD products to your clients                            Pg 8

10. Providing RAL products to your clients                                   Pg 9

11. Providing Quick RAL products to your clients                             Pg 10

12. Providing a RAL for less than the refund amount to a client              Pg 12

13. Printing the Refund Advantage taxpayer bank application                  Pg 12

14. Providing state refund products to your clients                          Pg 14
1. Introduction: Participating in the Refund Advantage program
This document assists you in setting up and using your ProSeries Basic software to
participate in the Refund Advantage program, which offers Electronic Refund Products (ERP) to
taxpayers through tax professionals.

Another useful document is the “Refund Advantage Users Manual and Getting Started Guide”
which contains detailed information about participating in the Refund Advantage program. You
can obtain this document by clicking on “Forms and Materials” under the Help section of the
Customer Service Center of your account.

Refund Advantage needs three files in order to process an ERP request:
         1. The Taxpayer bank application (APP) file
         2. The Tax Return (IRS) file
         3. The Acknowledgement (ACK) file

You will use your ProSeries Basic Software to:
         1. Create the tax return
         2. E-file the tax return

You will use your Refund Advantage software* to:
         1.   Enter in the taxpayer bank application
         2.   Receive information about any ERP request
         3.   Print checks Refund Advantage releases to your clients
         4.   Obtain detailed reports regarding your fee payments
         5.   Customize your Refund Advantage account
         6.   Manage your Refund Advantage account

         * Please review your Refund Advantage Users Manual and Getting Started Guide

The process of issuing a taxpayer’s refund as an electronic refund product is:
    1.   The   taxpayer signs the “Consent to the Use” form (p2)
    2.   You   complete the ERP request, the taxpayer bank application (p2)
    3.   The   taxpayer signs the taxpayer bank application form (p3)
    4.   The   taxpayer signs the “Consent to the Disclosure” form (p3)
    5.   You   route the refund (federal or state) to Refund Advantage (p3)
    6.   You   e-file the return (p4)
    7.   You   send the taxpayer bank application information to Refund Advantage (p4)

Below is detailed information regarding the 7 steps listed above.

 Step 1: The taxpayer signs the “Consent to the Use” form
 The “Consent to the Use” form is the first of two forms required by IRS Regulation 7216.
 This form must be provided to and signed by the taxpayer prior to beginning preparation of
 the tax return. This signed document is written proof that the taxpayer has agreed to your
 use of information contained in the taxpayer’s return to suggest any peripheral line of
 products that you may offer to your clients as additional servicing. If the taxpayer refuses to
 sign this form, you cannot suggest any peripheral product to the taxpayer.

 Step 2: You complete the ERP request, the taxpayer bank application
 To complete the ERP (electronic refund product) request you must create a taxpayer bank
 application. The taxpayer bank application is the binding contract between the taxpayer and
 Refund Advantage allowing Refund Advantage to receive and process the taxpayer’s refund

How to use Refund Advantage with ProSeries Basic –- 10/16/2009                       - Page 2 -
 as an ERP. The taxpayer must read, understand and sign the taxpayer bank application.
 Please refer to Guide Topic 10 (p7) for additional information on creating and printing the
 taxpayer bank application.

 Step 3: The taxpayer signs the taxpayer bank application form
 The taxpayer must sign the taxpayer bank application (including Truth-In-Lending Form in
 the case of a Refund Anticipation Loan) to complete the ERP request process. As the binding
 contract between the taxpayer and Refund Advantage allowing Refund Advantage to receive
 and process the taxpayer’s refund as an ERP, if the taxpayer refuses to sign the taxpayer
 bank application, you cannot provide the taxpayer with the ERP he or she has requested,
 which means you cannot e-file the return with the refund routed to Refund Advantage.
  After the taxpayer signs the taxpayer bank application form, make a copy of the signed page
  (including the signed Truth-In-Lending Form in the case of a RAL). Give the taxpayer the
  first three pages of the taxpayer bank application plus the copy of the signed pages. You
  must keep all original signed documents in your file, including the signed Truth-In-Lending
  Form in the case of a RAL.

 Step 4: The taxpayer signs the “Consent to the Disclosure” form
 The “Consent to the Disclosure” form is the second of two forms required by IRS Regulation
 7216. The taxpayer must read, understand, and sign the “Consent to the Disclosure” form
 prior to e-filing the return. This form, when signed by the taxpayer, is written proof that the
 taxpayer has agreed to you disclosing his/her information to a third party entity for the
 purpose of providing the peripheral product. If the taxpayer refuses to sign this form, you
 cannot provide the taxpayer with the ERP product, which means you cannot e-file the return
 with the refund routed to Refund Advantage.

 Step 5: You route the refund (federal or state) to Refund Advantage
 The taxpayer’s return instructs the Federal and/or State Treasury to where the taxpayer’s
 refund is to be issued. If the refund is to be issued as an electronic refund product request,
 the return must contain Refund Advantage’s routing transit number and correct bank account
 number. This is referred to as routing the return to Refund Advantage.
  Please refer to Guide Topics 9 and 10, beginning page 6 of this document, for detailed
  information on how to route a refund to Refund Advantage using your ProSeries software.

  Step 6: You e-file the return
  Once you and the taxpayer have completed steps 1 through 5, you can e-file the return to
  the IRS. Be sure to double check that the return is completed as an ERP request from
  Refund Advantage.
  For more information on submitting and printing applications through Refund Advantage,
  please refer to the Refund Advantage “Users Manual and Getting Started Guide.” This
  booklet is available by choosing “Forms & Materials” from the Refund Advantage customer
  center menu.

  Step 7:     You send the taxpayer data to Refund Advantage
  In order   for Refund Advantage to receive the tax return and acknowledgement file you must
  go into    Refund Advantage’s Customer Center and choose Process New Taxpayers click
  <Start>    then <Continue>.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                       - Page 3 -
2. Getting Started: Connecting ProSeries Basic and Refund Advantage
Before you can start processing electronic refund product requests with your ProSeries Basic
software and Refund Advantage, you must first complete the Getting Started process with
Refund Advantage. Please refer to your Refund Advantage Users Manual and Getting Started
Guide for instructions on how to complete this process.


3. Establishing prior year status for your clients
Every taxpayer whose federal and/or state refund was processed by Refund Advantage last
year has prior year status with our program. For all other taxpayer clients whose refund was
processed by a bank other than Refund Advantage last year, proof of last year’s funding will be
required to give those clients “Prior Year Status” service. Please refer to your Refund
Advantage Users Manual and Getting Started Guide for additional information.


4. Networking your Refund Advantage program
Refund Advantage is automatically aware of any network you may have, there are no
additional steps you must take if you are using a network. However, each computer that may
be used to access your Refund Advantage account must have an internet connection and have
completed the Getting Started process.


5. Setting Refund Advantage as your default bank in ProSeries Basic
In order to have your ProSeries Basic software automatically route refunds to Refund
Advantage when your client requests an ERP, you need to default Refund Advantage as the
Financial Institution at the bottom of the “Bank Products” screen. From the HomeBase view
choose TOOLS>OPTIONS>BANK PRODUCTS. See screenshot below:




                                                                 Default Refund Advantage
                                                                 by marking us as your
                                                                 “Financial Institution” on
                                                                 this screen.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                        - Page 4 -
6. Defaulting a minimum fee requirement
To default minimum fees in your Refund Advantage account, simply click “My Options” in the
green Customer Center menu tree, and then enter a minimum fee, per fee bucket, in the “Fee
Options” section.
(Refund Advantage account screen shot)
                                                            Default minimum fees
                                                            here (all of the fee
                                                            buckets below are paid
                                                            to you)




PLEASE NOTE: The Fee Option default is for minimum fee amounts only. If you use this
feature, you will use the “FEE OVERRIDE PASSWORD” to override the minimum fee default you
set.




7. Entering your fees per electronic refund product request
To enter your fees per electronic refund product request simply enter the fees to be withheld
from the taxpayer’s refund into the taxpayer bank application you create. You must use your
Refund Advantage software to create the taxpayer bank application.

To create the taxpayer bank application choose “Enter/Change Application”. Enter the
Primary SSN, set the PRINT SELECTION to “Print Application upon completion and keep as
default choice”, and then click the <Continue> button to open the screen containing the
application fields that must be completed.




Continue on next page.



How to use Refund Advantage with ProSeries Basic –- 10/16/2009                       - Page 5 -
Enter the fees due you in the “FEES TO BE DEDUCTED FROM THE REFUND” section of the
Change Application screen. All visible information buckets must be completed. Be sure to click
the <Save Application> button at the bottom of the “Enter/Change Application screen”.




                                                                     Enter fees per return
                                                                     (all of the fee buckets
                                                                     below are paid to you)




PLEASE NOTE: Fee amounts entered into the “Bank Product Information Worksheet” of your
ProSeries software will not relay to your Refund Advantage account.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                     - Page 6 -
8. Refund Advantage electronic refund product options
Refund advantage offers federal and state electronic refund product (ERP) options. Both the
federal and the state ERP are available in one of three disbursement options: a check, a direct
deposit to the taxpayer’s bank account, and a debit card.

An ERP disbursed as a check is referred to as an electronic refund check (ERC). If you worked
with a different bank than Refund Advantage last year, you may know this product as a Bonus,
or an RT. Great care should be taken in the printing and disbursing of checks. Please review
the “Printing Checks & Check Handling Procedures” section of your Refund Advantage “User’s
Manual and Getting Started Guide”.

An ERP disbursed as a direct deposit, whether to a taxpayer’s bank account or to a debit card
assigned to the taxpayer, is referred to as an electronic refund deposit (ERD). If you worked
with a different bank than Refund Advantage last year, you may know this product as a Bonus
direct deposit, or an RTDD. Great care should be taken in disbursing taxpayer money as a
direct deposit. Please review the “ERD & Direct Deposit Handling Procedures” section of your
Refund Advantage “User’s Manual and Getting Started Guide”.

When taxpayers request to receive money as an advance against their anticipated federal tax
refund, they are requesting a refund anticipation loan. There are two types of refund
anticipation loans, one is a loan issued at the time the tax return has been e-filed. Refund
Advantage calls this the Quick RAL (QRAL). The other refund anticipation loan issued after the
e-filed return has been acknowledged by the IRS. This is called the standard RAL (RAL).

The QRAL is offered in one of 2 disbursement options:
  1 ) Check
  2 ) Debit Card
A QRAL cannot be issued as a direct deposit because direct deposits are issued through the
federal ACH system which requires 2 to 5 days to complete.

The standard RAL is available in one of three disbursement options:
 1 ) Check
 2 ) Direct Deposit
 3 ) Debit Card

Great care should be taken in disbursing RAL products to taxpayers. Please review the “RAL
Guidelines & Policies” section of your Refund Advantage “User’s Manual and Getting Started
Guide”.

The grid below displays all product and disbursement options per type of refund.
        Federal refund         Check           Direct Deposit    Debit Card
         Standard RAL           YES                 YES            YES
            Quick RAL           YES                 NO             YES
        Refund product          YES                 YES            YES

           State refund        Check           Direct Deposit    Debit Card
          Standard RAL          NO                  NO              NO
             Quick RAL          NO                  NO              NO
         Refund product         YES                 YES            YES




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                      - Page 7 -
9. Providing ERC or ERD products to your clients
ERC or ERD, the first two of the ERP product options listed on page 6. These are the most
often issued products. They are issued after the refund has been released to Refund
Advantage.

To provide a Federal ERC or ERD to your client, you will have to:
    1 ) In your ProSeries Basic software, choose the “Refund Transfer Check (RT, ERC) or
        Refund Transfer Direct Deposit (RTDD, ERD)” box in the “Bank Product Information
        Worksheet” (see shot below). There is no need to complete the rest of the “Bank
        Product Information Worksheet” because the information will not carry forward into
        your Refund Advantage account where you enter/complete the taxpayer bank
        application.
    2 ) Enter the taxpayer’s application information, including the product requested and
        disbursement option through in your Refund Advantage account.
Below is a screen shot showing the “Bank Product Refund Transfer” portion of the “Bank
Product Information Worksheet”.




If you chose “Refund Transfer Check (RT, ERC) or Refund Transfer Direct Deposit (RTDD,
ERD)” in the “Bank Product Information Worksheet”, the EF Center will show the Refund
Method to be a Refund Advantage ERC or ERD. Below is a sample screen shot of the “EF
Center HomeBase View”.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                    - Page 8 -
10. Providing RAL products to your clients
By RAL, we are referring to the federal refund anticipation loan options that are issued prior to
the federal refund being released to Refund Advantage. The standard RAL is issued after the
federal refund is successfully acknowledged by the IRS. To provide a RAL product option to
your client, you will have to:
  1) In your ProSeries Basic software choose the “Refund Anticipation Loan (RAL)” box in the
     “Bank Product Information Worksheet”. Do not choose the RALDD box (see screen shot
     below). There is no need to complete the rest of the “Bank Product Information
     Worksheet” because the information will not carry forward into your Refund Advantage
     account where you enter/complete the taxpayer bank application.
  2) Enter the taxpayer’s application information, including the product requested and
     disbursement option through in your Refund Advantage account.




If you choose “Refund Anticipation Loan (RAL)” in the “Bank Product Information Worksheet”,
the EF Center will show the Refund Method to be a Refund Advantage RAL. Below is a
sample screen shot of the “EF Center HomeBase View”.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                        - Page 9 -
11. Providing Quick RAL products to your clients
By Quick RAL, we are referring to the federal refund anticipation loan option that is issued at
the time the federal return is e-filed, making this loan available to the taxpayer within minutes
of the return being completed.

The Quick RAL is offered as one of two product options and one of two disbursement options
(check or debit card).
Product options are:
  • Quick RAL followed by an overage product – RAL TYPE #3 - “Quick RAL only”
  • Quick RAL followed by a Standard RAL – RAL TYPE #4 - “Quick RAL & RAL”

Check disbursement example




Debit Card disbursement example




RAL TYPE #3 cost your client less than RAL TYPE #4.
RAL TYPE #4 allows the taxpayer to receive the remainder of his/her refund the next day as a
standard RAL. RAL TYPE #4 will trigger your fees to be paid, as the fees are paid from the
proceeds of the standard RAL.

Disbursement options:
   1 ) Check (you will print the check)
   2 ) Debit card (you will hand out the card)

Continue on the next page.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                       - Page 10 -
To choose the Quick RAL from within your Refund Advantage account, you will need to:
   1 ) Complete, convert, and transmit the return in your ProSeries software.
   2 ) Open your Refund Advantage account
   3 ) Choose “Process New Taxpayers” from the “Customer Center” list and click the
        <Start> button then <Continue>.
   4 ) Choose “Enter/Change Application” from the “Customer Center”, enter the SSN and
        click the <Continue> button.
   5 ) Choose “RAL” from the “PRODUCT REQUESTED” drop down list.
   6 ) Choose “Check” or “Cash Card” from the “DISB METHOD” drop down list.
   7 ) Choose number 3 or 4 from the RAL TYPE drop down list. (again #3 is the Quick RAL
        only and #4 is the Quick RAL & RAL)
PLEASE NOTE:
   1 ) With a Quick RAL, the second disbursement will be issued after the refund has been
        released to Refund Advantage.
   2 ) All white fields in the application screen must be correctly populated before you will be
        able to save the application.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                      - Page 11 -
12. Providing a RAL for less than the refund amount to a client
Our new pricing structure has two tiers, one with a max loan amount of $1800 for taxpayers
that are new to Refund Advantage (RAL TYPE #1), and then one with a max loan amount of
$7000 for taxpayer clients returning to Refund Advantage (RAL TYPE #2). Taxpayers eligible
to apply for RAL TYPE #2 may opt for RAL TYPE #1. This is a great way to save your client
some money. Below is a screen shot of the Refund Anticipation “Enter/Change Application”
page showing the RAL options.




13. Printing the Refund Advantage taxpayer bank application
You can print the taxpayer bank application at the time you complete and save the application
in your Refund Advantage account. You may always reprint the taxpayer bank application if
needed.
Initial printing of the taxpayer bank application:
With the PRINT SELECTION option set to “Print Application upon completion (and keep as
default choice)”, your Refund Advantage software will prompt you to print the taxpayer bank
application upon completion of all necessary information. The taxpayer bank application must
be printed and made available to the taxpayer to read, understand, and sign.




After completing the taxpayer bank application and clicking the <Save Application> button,
you will first be given the chance to print the optional forms, the “Fee Summary”, the
“Product Comparison Page”, and the “Consent to the Disclosure” forms.
 • The Fee Summary is a form many EROs use to more clearly inform the taxpayer of the
     fees that will be deducted from the taxpayer’s refund.

How to use Refund Advantage with ProSeries Basic –- 10/16/2009                   - Page 12 -
 •   The Product Comparison sheet is used to display all available electronic refund product
     options to the taxpayer so that they can make an informed decision.
 • The Consent to the Disclosure form must be printed and provided to the taxpayer to
     sign. Please set the drop down window to yes.
Click the <Continue> button.




Once you click the <Continue> button on the optional forms screen you will see the “Print
Taxpayer Application” screen (shown below). Before clicking the Print Application button,
verify the following:
 1) The correct printer is listed in the “Select your Printer” window.
 2) You have selected to “Print All Pages” in the “Select the Pages to Print” window.
 3) The “Number of Copies to Print” window is set to “2” (one for you and one for the
     taxpayer, have the taxpayer sign page four of each copy. If you prefer, you can choose
     to print the application once, have the taxpayer sign page 4, make a copy of the signed
     page 4, give the taxpayer pages 1-3 plus the copy of the signed page 4, and keep the
     original signed page 4 in your records.)




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                  - Page 13 -
To reprint a taxpayer’s bank application:
 1) Choose “Print Taxpayer Application” from the Customer Center
 2) Enter the Taxpayer’s SSN and click the <Continue> button
 3) Choose whether or not you want to print the Optional forms and then click the <Continue>
    button
 4) Click the Print Application button




14. Providing state refund products to your clients
Where applicable, Refund Advantage recommends that you send state refunds through our
program for three reasons:
   1) If the federal refund does not fund, or only partially funds, we can collect your fee(s)
      from the state refund.
   2) If a RAL was issued, and the federal refund does not fund, or only partially funds the
      state refund will be applied towards paying off the loan, which helps in keeping your
      loss ratio down, and your RAL incentive rebate up.
   3) If the taxpayer needs to file balance due federal return, the taxpayer can use the
      proceeds of their state refund to pay your tax preparation fees.

Adding a state ERP:
If your client has chosen to receive a state ERP in addition to their federal ERP:
  1) Check the “Yes” box for the question: “Would your client like to receive a state refund
     transfer?”
  2) Enter the applicable state                                                    Step 1


                                                        Step 2




Issuing the state ERO without a federal ERP:
If your client has requested only their state refund issued as an ERP, you will have to manually
route the refund to Refund Advantage by manually enter the direct deposit information on the
State Information Worksheet. Please see details below.
There are three steps to manually routing the state refund to Refund Advantage.
   1) Mark to “File the state return electronically” under Part VI of the Federal Information
       Worksheet.
   2) Mark “Yes” to the question “Do you want to elect direct deposit of state tax refund
       (Electronic Filing Only)?” on the State Information Worksheet.
   3) Enter the following information as the taxpayer’s personal bank account information:
         a.   Routing number = 044204370
         b.   Account number = EFIN followed by the taxpayer’s primary SSN
              (In the example below, the EFIN is 123456, and the SSN is 731035112)
         c.   Click the “Checking” box

Continue on the next page.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                      - Page 14 -
Example:




PLEASE NOTE:
• Each state has a unique information worksheet.
• Entering the information in step 3 above will instruct the state treasury department to
   deposit the state refund to Ohio Valley Bank / Refund Advantage. If the taxpayer has
   requested a state electronic refund product, do not enter the taxpayer’s personal bank
   account info, as that will instruct the state treasury department to deposit the state refund
   to the taxpayer’s personal bank account.
• On the EF Center HomeBase View, the state refund will NOT be listed as a Refund
   Advantage electronic refund product under the “Refund Method” column. Instead it will be
   listed as a Direct Deposit.
• If the State “Refund Method” says “Refund Check”, the state refund will be issued by the
   state treasury department as a check to the taxpayer’s home address, which means it will
   not be an electronic refund product.
• The taxpayer is still required to read, understand, and sign ‘in agreement to’ the Consent to
   Use form, the Consent to Disclose form, and the taxpayer bank application form even
   though the taxpayer is requesting the state ERP without the federal ERP.




                                                                 In this example, the federal refund is
                                                                 a RAL. The state refund is marked
                                                                 “Direct Deposit” – meaning it is also
                                                                 an electronic refund product (if the
                                                                 routing information matches what is
                                                                 outlined on Page 14 of this
                                                                 document).




                                                                 Although the federal refund is a RAL,
                                                                 the state refund is marked “Refund
                                                                 Check”, meaning the state refund is
                                                                 NOT an electronic refund product.




How to use Refund Advantage with ProSeries Basic –- 10/16/2009                           - Page 15 -

								
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