Get Your Tax Refund Faster*
with FREE Direct Deposit** on the Xpectations!® Visa® Prepaid Card

PLS is here to help you make the most out of this tax season. Have your tax refund direct deposited onto your Xpectations!® Visa® Prepaid Card account for FASTER ACCESS* to your money.

Direct Deposit is SAFE, SECURE and FREE.


It’s easy! Just stop by any PLS check cashing location with a valid government or foreign ID.***


1. You will need to have your account and routing number available. You can locate them 3 ways:

  • In the PLS Mobile app
  • By calling customer service at 1-866-679-4869
  • Asking one of our store associates to print your direct deposit form

2. When preparing your taxes, fill out the refund section of Form 1040, 1040A, or 1040EZ:

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

1040 tax form example

The example above is for illustrative purposes only, based on IRS Form 1040, Year 2020. 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.

**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.

3. Your refund will automatically deposit onto your prepaid card–giving you access to your money faster* than a check. You can then start using your card to shop, eat out and more!


  • Save money on check cashing fees
  • Carry your money safely
  • Pay your bills or shop online, use it everywhere Visa debit is accepted
  • Reload the card at no-cost at any PLS check cashing location
  • Use the PLS Mobile App to check your deposits, balance and more
  • Sign up for direct deposit of your payroll checks and government benefits, in addition to your tax refund!

Have questions or want to learn more? Visit your neighborhood PLS location.

†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.

*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.

*** IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

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