Electronic Refund Check (ERC) FAQ

Q.	What is an Electronic Refund Check (ERC)?
A.	An Electronic Refund Check (ERC) is a check mailed to you by US Priority Mail to you by a bank in the amount of your tax refund less your tax return preparation fee. ERC's can also be directly deposited into a bank account, eliminating the need for a paper check.
Q.	Which bank do we use for ERC's?
A.	We use Santa Barbara Bank and Trust for ERC's as well as RAL's.
Q.	How soon can I get my ERC?
A.	Generally, about 12 - 16 days. First, we prepare and electronic file your return. The IRS must then accept your return which takes about 24 to 48 hours. Then, the bank issues a check and we deliver it to you via US Priority Mail, or, if you choose, the bank will directly deposit it into your bank account.
Q.	How much does a ERC cost?
A.	Taxgaga.com's fee for the ERC is $35, plus the bank's fee. The bank charges for ERC's are: - $12.00 for Direct Deposit ERC's - $24.00 for ERC's issued on paper checks