Get your tax refund faster1 with Direct Deposit!*

*compared to a paper check

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How to get your tax refund faster1

The Internal Revenue Service (IRS) begins processing tax returns in January. Here’s how to help your federal income tax refund arrive as quickly as possible with Direct Deposit.

  • Direct Deposit your tax refund to Porte

  • Get your tax refund early1

  • Set up payroll Direct Deposit and get paid up to 2 days faster!2

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E-file tax return File your tax return electronically with a tax preparer or using the tax software you prefer.
Receive your refund faster1 According to the IRS refund schedule, on average, most refunds are issued by the IRS in less than 21 days when you electronically file.
Add Porte Account info When you file, choose to Direct Deposit your tax refund to Porte by adding your Porte Account and Routing Number, found in the Porte app.
Keep getting paid faster2 After receiving your tax refund, set up Direct Deposit for your payroll or government benefits with Porte and get paid up to 2 days faster!2

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Can I get my federal tax refund early? Yes!

Get your refund faster than a paper check1 with Porte Direct Deposit

Get a refund check in the mail within:

28 days or more**

**According to irs.gov/refunds
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Or Direct Deposit with Porte:
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21 days

21,000+ members trusted Porte with their tax refund deposits in 2024

Unlock even more when you choose Porte

Get paid up to 2 days faster2

Get paid up to 2 days faster
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Direct Deposit your payroll or government benefits to your Porte account and get paid up to 2 days faster!2 Make Wednesday the new Friday with early payday.+

Get Paid Faster

+based on a Friday payday
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Earn cash back rewards3

Porte Perks participants change periodically. Check your Porte app for current participants.

40,000+ fee-free MoneyPass® ATMs
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Earn up to 10% cash back rewards with your Porte Visa debit card!3 Receive customized offers based on your spending habits. Just tap “Add to Card” to take advantage!

Find Out More

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Porte is a mobile finance app, not a bank. Banking services provided by Pathward, National Association, Member FDIC.
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Questions?

On average, most refunds are issued to taxpayers by the Internal Revenue Service (IRS) in less than 21 calendar days when you electronically file your tax return.

The time it takes for your Direct Deposit to be credited to your account will vary. Factors, including your financial institution, the amount of the deposit, and the sender, could impact how long it takes to complete the process. If you haven’t received your tax refund within 21 days, we suggest checking the filer status by visiting IRS.gov/refund or downloading the IRS2Go mobile app.

Applying is simple and takes a few minutes. Download the Porte app from the App Store® or Google Play™ and follow the steps.

You can check the status of your federal tax refund by visiting IRS.gov/refund.

Yes, in most cases. Unfortunately, we cannot guarantee that our Mobile Check Capture feature5 will accept all tax refund checks due to their unique shape, color, and markings.

Direct Deposit is one way to add your federal tax refund into your Porte Debit Account. Whether you e-file or file a paper return, all you need to do is enter your Porte routing and account numbers where prompted. You can find your Porte Routing and Account numbers in the Porte app. Just navigate to Settings > Account Information. If you receive your refund by check, you may have your check deposited to Porte as well using Mobile Check Capture.5

We can’t guarantee that your tax refund will deposit earlier than the estimated date provided by the IRS. That said, we’ll always post your tax refund to your account as soon as we receive it!

Typically, April 15 is the tax deadline every year, but the deadlines can shift in certain national emergencies, like in 2020 with the COVID-19 pandemic. For 2025, the tax deadline is April 15th. However, you should check irs.gov to stay in the loop on this year’s tax deadline.

If you miss the federal income tax deadline, didn’t file an extension, and owe taxes, you must file your tax return as soon as possible. Not filing taxes when they are due can incur both late filing penalties and payment penalties.

If you miss the federal income tax deadline and qualify for a refund, there are no penalties for filing late. You have three years to file your return before the IRS turns over the refund amount to the Treasury.

  1. Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit https://www.irs.gov/refunds.

  2. Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

  3. By activating and using a Porte Account, your participation in the rewards program is automatically activated. However, you may opt-out of the program at any time by visiting the Porte Perks page within the Porte App. The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs and program terms and conditions. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. Pathward®, National Association, and Visa are not affiliated in any way with the program and neither endorses nor sponsors it.

  4. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

  5. Mobile Check Capture is a service provided by Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details. Mobile Check Capture service is not available for use within the state of New York.

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    Google Play and the Google Play logo are trademarks of Google LLC.

    Porte is a mobile finance app, not a bank. Banking services provided by Pathward®, National Association, Member FDIC. 

    Porte is a deposit account established by Pathward, National Association, Member FDIC, and the Porte Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Card may be used everywhere Visa® debit cards are accepted.

    Porte is a registered trademark of Populus Financial Group, Inc.

    Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses

    © 2025 Ouro Global, Inc. 

    Copyright © Populus Financial Group, Inc. 2025. All rights reserved.