A customer wants to apply for a Refund Transfer (RT) on a Married Filing Joint (MFJ) return but says the spouse is working and cannot come into the office. You should:
The Correct Answer and Explanation is:
Correct Answer:
Politely inform the customer that both spouses must be present in the office to apply for a Refund Transfer (RT) on a Married Filing Joint (MFJ) return.
Explanation:
When a couple files a tax return using the Married Filing Joint (MFJ) status and wants to apply for a Refund Transfer (RT), both taxpayers must be physically present in the tax office. This is a legal and procedural requirement because both individuals are equally responsible for the return and any associated financial products, including the Refund Transfer.
A Refund Transfer involves directing the taxpayer’s IRS refund to a temporary account managed by a bank partner. From there, the preparation fees are deducted, and the remaining balance is disbursed according to the taxpayer’s chosen method—such as direct deposit, check, or prepaid card. Since this process includes financial agreements, authorization from both spouses is required when the filing status is MFJ.
The absence of one spouse means the tax preparer cannot complete the RT application because they would be unable to obtain the necessary signatures and consent. This protects the rights and privacy of both taxpayers and ensures compliance with IRS rules and banking regulations.
In this situation, you should explain the policy clearly and respectfully. Let the customer know that for security and legal reasons, both spouses must sign the RT application in person. If the working spouse cannot visit the office at the same time, they may return later together or schedule an appointment at a more convenient time. Emphasize that this policy is in place to protect both parties and avoid potential issues with identity verification, consent, and disbursement of funds.
Being clear and professional in this communication builds trust and avoids misunderstandings.
