RAL Denial Criteria
January 7, 2010 – 2:19 pmIf the Debt Indicator received from the IRS notes that the taxpayer has an outstanding debt, the RAL will be denied.RALs automatically fall to a Refund Transfer (RT) product.
Following are some criteria that might restrict a taxpayer from receiving a RAL.We have included bank audits in the software when possible.The bank criteria varies per bank.Reference the individual bank’s user manual for details.
- You are an active military person or dependent of an active military per¬son.
- Taxpayer must be of binding age to enter into a legal agreement (age 18 in most states).
- P.O.Box instead of physical address.
- Form 8862 is present (reclaim EIC after disallowed).
- Taxpayer is dependent of another.
- No W-2s or 1099-Rs are present.
- Unable to provide a home phone number.
- Refund is greater than $10,000.
- Refund minus EITC is less than $0.
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