Refund Transfer (Pay Us From Your Refund)
Get Your Taxes Done — No Upfront Cost
Short on cash? You’re not alone. That’s why AmeriFile offers the option to have your tax preparation fees deducted from your refund instead of paying upfront.
You can get your taxes prepared professionally and accurately today — without pulling money out of your pocket. Once your refund is issued, the preparation fee is simply taken out before the rest is sent to you.
It’s convenient, simple, and used by thousands of Quad Cities clients every year.
How “Refund Pays Fees” Works
🧾 AmeriFile prepares your tax return as usual
✅ You approve everything before filing
💸 Your tax prep fee is deducted from your refund
📬 You receive the remaining refund balance
No upfront payment. No credit card required.
Why Quad Citians Choose Refund Pays Fees
💵 No cash needed today
⏱️ Get your taxes done now, pay later
🧠 Same full expert review as every AmeriFile return
🔒 Safe, legitimate, and IRS-approved process
🏠 Available for in-person, drive-through, or secure upload
🏆 Backed by 40 years of local tax experience
No Pressure. Just Options.
Choosing to have your refund pay your tax prep fees does not change your service. Your return still receives:
Full professional preparation
A personal review call before filing
The largest, safest, most accurate refund possible
All AmeriFile benefits
It’s simply one more way AmeriFile makes tax season easier.
Built for Real Life
Sometimes timing matters. AmeriFile gives you the flexibility to get your taxes done when you need to, not when it’s convenient to pay upfront.
That’s why so many Quad Citians trust AmeriFile — year after year.
For 40 years, AmeriFile has been trusted by more Quad Citians than anyone except H&R Block/national tax chains!
AmeriFile has provided fast, accurate, and affordable tax preparation for families and small businesses in the Quad Cities — including Moline, Davenport, Rock Island, Bettendorf, East Moline, Silvis, Eldridge, Milan and more.
We’ve filed more than 375,000 tax returns here in the Q.C., apply every new tax law we legally can, and make sure the IRS receives a clean, accurate return so you don’t have to sweat letters, mistakes, or delays.
Refund Transfer FAQs
What does “Refund Pays Fees” mean?
It means you can choose to have your tax preparation fees deducted from your refund instead of paying out of pocket today. Once your refund is issued, the remaining balance is sent to you.
Do I need cash or a credit card upfront?
No. With Refund Pays Fees, no upfront payment is required. Your fees are handled automatically when your refund is processed.
Do I have to use Refund Pays Fees?
No. It’s completely optional. You can always choose to pay upfront if you prefer.
Are there any extra fees for using this option?
There is a small processing fee charged by our third-party bank, Republic Bank for handling the transaction with the IRS. See below. We’ll explain everything clearly before you decide — no surprises.
Is Refund Pays Fees safe and legitimate?
Yes. This is a common, IRS-approved option used by millions of taxpayers every year and handled through secure banking partners/IRS.
OUR TAX PREP SERVICES
Personal Tax Preparation (1040)
W2 income, Social Security, retirement, unemployment, child tax credit, earned income tax credit, dependence, standard and itemized deduction, and more.
Small Business & Self Employed Taxes
1099’s, Schedule C, contractors, freelancers, rideshare, gig workers, Rentals, K-1 Income, SE tax, Mileage deduction, Self employed health insurance, depreciation, and more.
ELECTRONIC FILING
We electronically file every eligible tax return for the fastest possible IRS refund. Refunds arrive within 10 to 21 days with most arriving closer to the ten days with AmeriFile.
Drive-Thru Tax Drop Off
A Quad City original. The fastest most convenient way to get your taxes done Without an appointment. Stay safe and warm in your car, drop off your tax docs at the window, and go about your day.
Secure Online Upload
Upload your documents from your phone or laptop dash secure and encrypted. Do your taxes without leaving your home. AmeriFile has perfected this convenient option
Pay Nothing Upfront
Short on cash but need your taxes prepared? No upfront fees. Your tax fee comes directly out of your refund.
IRS HELP
Whether we prepared your taxes or not, AmeriFile can help with any IRS letters or inquiries.
What’s Included in Our Tax Preparation Service
We handle ANY TAX SITUATION with a C.P.A, Enrolled Agent, and AFSP Tax Preparers on staff. We take the team approach to completing your taxes. You may be working with the founder Jim preparing your taxes. We are constantly bouncing ideas and scenarios off of each other, drawing on each other’s experience to get you to the most accurate tax return possible!
• Personal tax returns (1040)
• Small business and self-employed returns
• Federal and All state returns
• W-2, 1099, retirement, Social Security income
• Child tax credit, Earned Income Credit, education credits
• Prior-year and late returns
• Amended returns
• Electronic filing (e-file) for the fastest possible refund
• Help with IRS or state tax letters, if they show up later
“They do it all! They asked me questions I had never thought of and got me the biggest refund in years! I will only trust Jim and his great staff with my taxes”
HOW TO GET STARTED WITH AMERIFILE!
1. Collect your tax documents
W-2s, 1099s, last year’s return, and anything else you think might matter. Use our checklist on our organizer envelope (view here). Don’t worry, when we review your taxes we will help you get anything you may have missed!
2. Choose how to get them to us (3 Convenient Options)
• Drive-through drop-off at our Moline location
• In-person appointment at Moline or Davenport
• Secure online upload from your phone or computer
3. We prepare and e-file your return
We apply every new tax law we legally can to get you the biggest refund possible, while making sure the IRS receives an accurate, clean return so you don’t have to worry about letters or mistakes!