Acc.accountable.llc

🚨 LET’S CLEAR THIS UP ONCE & FOR ALL 🚨

I keep seeing confusion about tax prep fees vs. bank fees, so here’s the truth in plain language 👇🏽

🧾 Your TAX PREPARATION FEE
This is what you pay your preparer for:
✔️ Preparing your return
✔️ Reviewing documents
✔️ Due diligence
✔️ Filing with the IRS

That fee is set by the preparer and must be disclosed and agreed to.

🏦 BANK FEES & ADVANCE FEES
If you choose a refund advance or bank product, those fees:
✔️ Are charged by the BANK
✔️ Are NOT set by the preparer
✔️ Are automatically taken from your refund
✔️ CANNOT be removed or adjusted by the preparer

⚠️ IMPORTANT
You cannot pay a prep fee out of a refund advance.
Advances are loans issued by the bank. Prep fees are separate.

📌 Everything is listed on your fee disclosure.
If you don’t understand it, ask questions before signing.

Education over confusion.
Transparency over noise.

If a preparer can’t explain your paperwork, find one who can.

🚨 REFUND ADVANCES 🚨

Let’s clear this up because the misinformation is loud.

When a refund advance is selected and the return is transmitted, the tax return is ALREADY FILED through the software.

📌 Key Facts:
• A refund advance is not a placeholder
• The return is locked once transmitted
• The preparer cannot edit, pull back, or “hold” the return
• The bank product is attached at transmission
• When the IRS opens, the return is automatically pulled into the IRS system

💡 The lender only decides whether to approve or deny the advance they do not control whether the return is filed.

⚠️ This is why filing with estimated paystubs or missing W-2s is risky. If IRS wage data doesn’t match, delays and amendments are inevitable.

👉🏾Advance = Filed Return.
Not opinion. Not preference. That’s how the software and bank products work.

Save this post. Screenshot it. Argue with the bank / IRS system if you want not me.

🚨 2026 TAX SEASON IMPORTANT DATES YOU NEED TO KNOW 🚨

📅 January 2, 2026
💰 Cash Advances Begin

📅 January 26, 2026
🧾 IRS expected opening date (tentative and subject to change)

📅 January 31, 2026
📄 Deadline for employers to issue W-2s
(Most people receive them in early February)

⏳ Refund Processing Time
⏱️ About 21 days on average for early filers

📅 February 25, 2026
💸 First major wave of refund deposits expected (tentative)

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