Get Your Tax Refund Faster
With Porte1

Get your tax refund faster than a paper check when you have your tax
refund direct deposited to Porte®.

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Get your federal tax refund faster1 than a paper check with Direct Deposit

As a taxpayer, filing your taxes can sometimes be complicated, but getting your tax refund faster with Porte is simple!

How to set up
Direct Deposit?

The Internal Revenue Service (IRS) will begin processing tax returns on January 18, 2024. Here’s how to help your federal income tax refund arrive as quickly as possible with Direct Deposit.

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E-file your tax return

You can file your taxes using third-party tax software, such as TurboTax or visit your local tax accountant. For tax year 2022, you were able to e-file your tax return for free using the IRS Free File Program if your adjusted gross income (AGI) was $73,000 or less. Find the latest information on e-filing at IRS.gov.

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Enter your Porte bank account information Once you have completed entering the necessary tax-related documents (W-2 or 1099s) and tax credits in the filing process, you will select Direct Deposit as your refund method. To complete the process, you will need to enter your Porte routing and account numbers, which can be found in the Account Info section of the app. You can still choose Direct Deposit for your refund if you file a paper tax return.
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Get your tax refund faster1 than a paper check with Direct Deposit! Cha-ching! Your federal tax refund will post to your Porte account as soon as it is received.

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

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Unlock even more when you enroll in Direct Deposit

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When you sign up for qualifying Direct Deposit

Banking with no monthly fee2

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

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You earned it, so you should keep it! At Porte, we believe an online banking account should keep more of your money in your pocket. That’s why Porte offers an online banking account with no monthly account fee when you have qualifying Direct Deposit's of $1,000 or more per month.2

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

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on balances up to $15,0003

Optional Savings Account

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No minimum to open. Start putting your money to work and earn 0.20% APY. When you receive at least $3,000 in Direct Deposit's and make at least 15 qualifying purchase transactions, both in a calendar quarter, you could earn even more: up to 3.00% APY on balances up to $15,000!3
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Open a Porte account4 to get your tax refund faster1 than a paper check with Direct Deposit1

Apply for an account from the Porte app.5 No credit check required.4

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Questions?

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


The time it takes for your Direct Deposit to be credited to your account will vary. Factors, including your banking institution, the amount of the deposit, and the sender, could impact how long it takes to complete the process.


Applying is simple and takes a few minutes. Download the Porte app5 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 feature6 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 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.


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 2024, the tax deadline is April 15th. However, you should check with the IRS website 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. Monthly fee waived with qualifying Direct Deposit(s) totaling at least $1,000 in the thirty-five (35) days preceding the date on which the monthly fee is assessed.

  3. The optional Savings Account linked to your designated Porte account is made available to Accountholders through Pathward®, National Association, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

    • An interest rate of 0.20% will be paid on your average daily balance with an APY of 0.20%.
    • Additionally, the optional Porte Savings account allows you to earn a higher interest rate of 2.97% with an APY of 3.00% on an average daily balance of up to $15,000 during a calendar quarter if you (i) receive at least $3,000 in Qualifying Direct Deposits into your Porte Spending Account in that calendar quarter, AND (ii) make at least fifteen (15) Qualifying Debit Card Purchase Transactions from your Porte Spending Account in that calendar quarter. "Qualifying Direct Deposits" and "Qualifying Debit Card Purchase Transactions" have meaning ascribed to them in the Savings Account Agreement. Then interest paid on average daily balances of over $15,000.00 will be .20% with an APY range for this tier from 3.00% to 0.20%.

    The interest rates and APYs of each tier may change. The APYs were accurate as of 3/1/2023. No minimum balance to open Savings Account. Savings Account funds are withdrawn through the Porte Account and transaction fees could reduce the interest earned on the Savings Account. See the Savings Account Agreement for more details. Funds on deposit are FDIC insured through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, National Association, will be aggregated up to the coverage limit, currently $250,000.00.

  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. Standard data rates, fees, and charges may apply. Consent to receive electronic account disclosures required to use the app.

  6. 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.

    A tax refund may only be deposited in the name of the accountholder. If we receive a tax refund to your account intended for someone other than you, we will return the refund to the IRS and the IRS will mail a paper check to the individual. At this time, you cannot add another accountholder to your Porte Account.

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    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.

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

    © 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

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