PLS Will Cash Your Stimulus Check At Our Lowest Rate.


Come in to apply for your Xpectations® Visa® Prepaid Card and file your 2019 taxes today!

Direct Deposit is SAFE, SECURE and FREE. Stop by any PLS location to sign up today! 

The US Treasury Department and the IRS will begin distributing stimulus payments in the next three weeks (April 1-April 20).

PLS is here to help you get your stimulus payment as quickly as possible. We recommend you follow the steps below:

  • If you haven’t filed your 2019 tax returns yet, make sure to file them as quickly as possible in April for the best chance to receive your stimulus payment electronically.
  • When you file your 2019 tax returns, existing Xpectations!® Visa® Prepaid cardholders will need to add their account number and routing number to the Direct Deposit Refund section of the 2019 tax returns. See diagram below for details.
  • Account numbers and routing numbers can be located by:
  1. Calling customer service at 1-866-679-4869.
  2. Asking a PLS Customer Service Representative to print the Direct Deposit form with the account number and routing number.
  3. Accessing our PLS Mobile app which puts your direct deposit information in the palm of your hand.
  4. This is your best chance to get your stimulus payment through direct deposit.

Now you’re ready to get your tax refund directly on your card. Preparing your own taxes? Follow these steps to ensure your refund is direct deposited to your Xpectations!® Visa Prepaid Card account.

On the refund section of Form 1040, 1040A, or 1040EZ:

  1. Write in your 9-digit Routing number: 031101169
  2. Mark an X in the “Checking” box beside the Routing number
  3. Write in your 17-digit Account number

1040 form example
The example above is for illustrative purposes only, based on IRS Form 1040, Year 2018. The line numbers may vary. The instructions above have been prepared for informational purposes only and are not intended to provide, and should not be relied upon for, tax advice

Visit for updates and additional information.

NOTE: A tax refund may only be direct deposited into an account that is in your name. If you file a joint return, the name and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) of the first person listed on your return must match the name and SSN or ITIN on the account. If a tax refund is directed to an account that is not in your name it may be rejected and returned to the IRS. No more than three electronic refunds can be deposited into a single financial account or prepaid card. If you exceed this limit, you will receive notice from the IRS and a paper check refund. 

*Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding.

Fees apply to your purchase and use of the Xpectations!® Visa Prepaid Card. See Cardholder Agreement at for terms and details, including conditions and your obligations related to unauthorized transactions. Card issuance is subject to identity verification. The Xpectations!® Visa Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC.

For MA: Check cashing license #CC0030.
For NC: PLS Financial Solutions of North Carolina, Inc. is licensed as a money transmitter pursuant to the North Carolina Money Transmitters Act.
For OH: PLS Check Cashers, 1397 West Mound Street, Columbus, OH 43223, License CC.700135.

PLS and Xpectations!® are registered service marks of PLS Financial Services, Inc. All other trademarks, service marks and logos are the property of their respective owners. ©2020.