Some taxpayers may not be eligible for Drake Refund Pay. The following sections explain the product requirements and situations where a taxpayer or return may not qualify for Drake Refund Pay.

In the payment workflow, after the taxpayer consents to check eligibility, Drake Pay automatically determines eligibility and presents Drake Refund Pay as a payment option alongside other payment options if the taxpayer is eligible. If the taxpayer declines consent or is not eligible, Drake Refund Pay will not be presented as a payment option.

Deceased Filers

• If Filing Status is NOT Married Filing Joint and the taxpayer is deceased, a bank product is not permitted.

• If Filing Status is Married Filing Joint and both parties are deceased, a bank product is not permitted.

• If Filing Status is Married Filing Joint and only one party are deceased, a Refund Transfer product is permitted.

Minimum Refund Amount

• Refund Transfer: The sum of the federal refund amounts must be greater than the sum of all fees plus $1.

Maximum Refund Amount

• Direct Deposit: The maximum refund amount is $88,900.

Taxpayer Demographics

• The First and Last name fields must not contain Customer or Test.

• A residential address is required. PO Box will not be accepted. The street address must contain at least one digit.

• Taxpayer/Spouse must be 18 years old to apply for the RT.

• Taxpayer/Spouse must not be over 120 years old.

• Taxpayer/Spouse ID Issue Date must be at least 14 years after the taxpayer/spouse DOB.

• Taxpayer/Spouse ID Expiration Date must be greater than the application date.

• ID State is required if ID Type is Driver’s License Number or State ID.

• Taxpayer and spouse must use separate IDs.

• Taxpayer/Spouse ID number must not be all zeroes. It should be the number shown on the physical ID presented. ID Numbers that equal the SSN will result in a reject, and the bank will require physical ID from the taxpayer/spouse.

• For Direct Deposit:

  • The deposit account must not be all zeroes.

  • The deposit account should not be a bank routing number.

  • The bank account type is required.

  • The deposit account routing number cannot be 291471024.

• A phone number is required and cannot begin with ‘0’ or ‘1’ and cannot be comprised of all repeating digits.

Other

• The bank stops accepting taxpayer applications the Friday before Thanksgiving at 12:00 am UTC, any applications sent after that time will be rejected.

• The return cannot include Forms 1310 or 8888.

• PTIN required