ACCESS Credit Line
Frequently Asked Questions about your year-round emergency credit benefit.
How ACCESS Works
ACCESS is being designed as a year-round emergency credit line available as a loyalty benefit for qualifying Quick Stop Financial tax clients.
Eligible clients may receive access to a limited amount of funds that can be used for unexpected expenses throughout the year, subject to eligibility requirements and the final account terms.
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General Questions
1. What is ACCESS?
ACCESS is a year-round emergency credit line being developed as a loyalty benefit for qualifying Quick Stop Financial tax clients.
2. Why is Quick Stop Financial offering ACCESS?
ACCESS is designed to provide an additional financial benefit to qualifying clients beyond traditional tax preparation.
3. Is ACCESS a tax refund advance?
No. ACCESS is designed as a year-round credit line rather than a tax refund advance.
Your ACCESS account and your tax refund are separate.
4. Is ACCESS available only during tax season?
No. ACCESS is designed to operate year-round for eligible clients.
5. Is ACCESS a loyalty benefit?
Yes. ACCESS is being designed as a loyalty benefit for qualifying clients.
6. Does ACCESS cost money to use?
The current design provides for 0% APR and $0 client fees. Final terms will be disclosed in the official account agreement.
7. Does ACCESS charge interest?
The current ACCESS design provides for 0% APR.
8. Is ACCESS designed to make money from customers?
ACCESS is being designed primarily as a customer loyalty and emergency-access benefit rather than a product intended to generate revenue through interest or routine customer fees.
Eligibility
9. Who can qualify for ACCESS?
ACCESS is designed for qualifying Quick Stop Financial tax clients who meet the program's eligibility and verification requirements.
10. Do I have to be a tax client?
Yes. ACCESS is intended to be connected to a qualifying Quick Stop Financial tax-client relationship.
11. How old do I have to be?
The current program design is intended for clients who are 18 years of age or older.
12. Is there a minimum tax-preparation fee?
Yes. The current program design requires a minimum qualifying tax-preparation fee of $200.
13. Does my tax refund determine my ACCESS limit?
No. Your final tax refund amount does not determine your ACCESS limit under the current program design.
14. What determines my ACCESS limit?
The current design uses 50% of the qualifying tax-preparation fee to calculate the potential initial ACCESS limit, subject to the program minimum and maximum.
15. What is the minimum ACCESS limit?
The current minimum ACCESS credit line is $100.
16. What is the maximum ACCESS limit?
The current maximum ACCESS credit line is $500.
17. What happens if my tax-preparation fee is $200?
50% of a $200 qualifying preparation fee equals a potential $100 ACCESS limit, assuming all other requirements are met.
18. What happens if my tax-preparation fee is $500?
50% of a $500 qualifying preparation fee equals a potential $250 ACCESS limit.
19. What happens if my tax-preparation fee is $1,000?
50% of a $1,000 qualifying preparation fee equals $500. Because $500 is the current maximum, the potential limit would be $500.
20. Do business tax clients qualify?
Business tax clients may qualify under the applicable program requirements.
21. Does owing money for tax-preparation services automatically disqualify me?
Not necessarily. Outstanding tax-preparation balances are handled under the tax company's separate agreement and collection process.
22. Will ACCESS be available nationwide?
ACCESS is being designed for nationwide availability, subject to applicable state requirements and the final program structure.
23. When will existing clients be able to qualify?
Existing qualifying clients are planned for the initial November 1 launch period, subject to final program readiness and terms.
24. When will new clients be able to qualify?
New clients are planned to become eligible beginning January 1, subject to the final ACCESS eligibility requirements.
Identity & Bank Verification
25. Why do I have to verify my identity?
Identity verification helps protect customers and the program against identity theft, fraud, unauthorized access, and misuse.
26. What identification will I need?
The current verification process is expected to require Social Security documentation and an unexpired government-issued photo ID.
27. Why does my ID have to be unexpired?
An unexpired government-issued ID helps verify that the person requesting ACCESS is the person associated with the account.
28. Why does my bank account have to be verified?
ACCESS funds are designed to be transferred to a verified bank account. Bank verification helps reduce fraud and unauthorized transfers.
29. Can I use someone else's bank account?
ACCESS is designed to send funds to a verified account associated with the eligible customer. Final requirements regarding third-party accounts will be established in the official terms.
30. What happens if I cannot complete verification?
ACCESS may not be available until required identity and bank verification can be successfully completed.
Using Your ACCESS Credit Line
31. How much can I withdraw?
You may request an amount from the $100 minimum withdrawal through your full available credit balance, subject to the final account terms.
32. Can I withdraw my entire available balance?
Yes. If your available balance is at least $100, you may request the full available amount.
33. Why is the minimum withdrawal $100?
The $100 minimum is designed to keep ACCESS focused on meaningful emergency expenses while keeping the program simple to administer.
34. Can I make multiple withdrawals?
Yes. Multiple withdrawals are permitted as long as sufficient available credit remains and each withdrawal meets the $100 minimum.
35. Can I withdraw less than $100?
No. The current minimum withdrawal is $100.
36. Can I withdraw more than my credit limit?
No. Withdrawals are limited to the amount of available credit on the account.
37. What happens after I use part of my ACCESS?
Your available credit decreases by the amount withdrawn, while your outstanding balance increases by the same amount.
38. How do I get my available credit back?
When a payment successfully clears, the corresponding principal amount paid becomes available credit again, subject to the final account terms.
39. Does every dollar I pay become available again?
Under the current design, every $1 of principal successfully paid becomes available credit again.
40. Can I borrow again after paying down my balance?
Yes. ACCESS is designed to provide continued access to available credit while you remain eligible and the account remains in good standing.
Payments & Repayment
41. How much is my minimum payment?
The current program design provides for a $25 minimum monthly payment, subject to the final account agreement.
42. When is my payment due?
The current design provides that a payment is due every 30 days following a withdrawal.
43. Can I pay more than $25?
The program is designed around a $25 minimum payment. Customers may be able to pay more under the final payment terms.
44. Can I pay the entire balance early?
The current structure is designed to allow repayment of principal without interest. Final early-payment terms will be included in the official agreement.
45. Is there a penalty for paying early?
The current ACCESS design provides for 0% APR and $0 client fees. The final agreement will contain the controlling payment terms.
46. What happens if my payment clears?
Once the payment successfully clears, the applicable principal amount is credited toward your balance and becomes available for future ACCESS use.
47. What happens if my payment does not clear?
An unsuccessful payment does not reduce the outstanding balance or restore available credit. The final agreement will explain the applicable process.
Renewal & Account Status
48. How long does my ACCESS eligibility last?
ACCESS eligibility is designed to remain active for 12 months, followed by an annual client-status review.
49. Do I have to renew ACCESS every year?
ACCESS eligibility is intended to be reviewed annually based on continued qualifying client status.
50. What happens if I remain a Quick Stop client?
If you continue meeting the applicable client and ACCESS requirements, you may continue receiving access following the annual eligibility review.
51. What happens if I stop being a Quick Stop client?
If you no longer meet qualifying client requirements, new withdrawals may be suspended. Existing balances remain subject to the applicable account agreement.
52. Does my ACCESS balance disappear when eligibility ends?
No. Ending eligibility does not automatically forgive an outstanding balance.
53. How long can an account remain unpaid?
The current program design provides for an account to remain unpaid for up to 90 days before closure or suspension, subject to the final agreement and applicable law.
54. What happens after 90 days unpaid?
Under the current design, the account may be closed or suspended after 90 days of nonpayment. The final agreement will explain the exact process.
Credit Reporting
55. Will ACCESS report to the credit bureaus?
Not initially. Credit reporting is not currently planned as a requirement for the initial ACCESS launch.
56. Why isn't credit reporting included at launch?
ACCESS is being designed first as an emergency-access and loyalty benefit. Excluding credit reporting initially keeps the launch simpler while the core systems are established.
57. Could ACCESS offer credit reporting in the future?
Potentially. Credit reporting may be considered in the future after the appropriate systems, agreements, compliance procedures, and reporting infrastructure are established.
58. Will I automatically build credit by using ACCESS?
No credit-building benefit should be assumed under the initial program. ACCESS is not being launched with a promise of credit reporting.
Security, Legal & Program Terms
59. Who is the lender?
The identity of the lender will be provided in the official ACCESS account agreement and required disclosures before an account is opened.
60. Is Quick Stop Financial the lender?
The final legal structure of ACCESS will identify the entity responsible for extending and servicing the credit.
Customers will receive applicable lender information and disclosures in their official account documents.
61. Is ACCESS legally available in every state?
ACCESS is being designed for nationwide availability, but financial products can be subject to state-specific requirements. Availability will depend on the final program structure and applicable law.
62. Will I receive an agreement before using ACCESS?
Yes. Customers should receive and accept the applicable account agreement and required disclosures before using the credit line.
63. Why are the final terms not listed here?
This FAQ explains the planned ACCESS product and customer experience. Certain legal, regulatory, servicing, disclosure, lender, and state-specific terms must be finalized before launch.
The official agreement and disclosures control if there is any difference between this FAQ and the final account documents.
64. Can the ACCESS rules change?
Program terms may be updated when necessary. Changes affecting existing accounts will be handled according to the applicable account agreement and legal requirements.
65. What should I do if I don't recognize an ACCESS transaction?
Contact the appropriate ACCESS support channel immediately. Suspected unauthorized activity should be reported as soon as possible.
66. What happens if I believe my balance is incorrect?
Customers will have a process for reviewing and disputing account information under the final account agreement and applicable law.
67. Is my ACCESS information private?
Customer information will be handled according to applicable privacy policies, account agreements, and legal requirements.
68. Is ACCESS the same thing as a traditional credit card?
No. ACCESS is being designed as a limited year-round credit benefit with a maximum planned limit of $500.
69. Can I use ACCESS for emergencies?
ACCESS is specifically being positioned as an emergency-access benefit. Customers are responsible for determining whether using credit is appropriate for their individual circumstances.
70. Where can I find the official terms?
The official ACCESS account agreement and required disclosures will contain the controlling terms. Customers should review those documents carefully before accepting an ACCESS account.
ACCESS at a Glance
