14You can make an early repayment at any time before the end of the loan term with no repayment penalty. Rates are per annum and subject to change without notice. 13Interest is calculated daily on the total closing balance and paid monthly. Therefore, your tax refund will likely be deposited into your existing direct deposit account or received by mail. 12Your direct deposit information is sent by Neo to the CRA 30 days after sign-up. 11The time it takes for your TurboTax Cash-powered by Neo to appear in your Neo Money™ account may vary. 10Your tax refund must be deposited into your Neo Money™ account in order for the loan to be automatically repaid. 
An ATM fee may be charged by a third party should you wish to withdraw cash directly from the Neo Money™ account. See TurboTax Cash-powered by Neo loan agreement for full terms and conditions. If your refund is not received within 65 days, Neo will attempt to debit your Neo Money™ account for the remaining balance at the end of the loan term.
8Term of loan is from loan agreement effective date to the earlier of the date you receive your tax refund from the CRA (only if your tax refund is deposited into your Neo Money™ account) or 65 days. The Neo Money™ card is powered by the Neo Money™ account, which is provided by Concentra Bank. 7The Neo Money™ card is a prepaid Mastercard® issued by Equitable Bank pursuant to license by Mastercard International Incorporated. The time it takes for the loan to appear in the Neo Money™ account may vary. 6Subject to loan eligibility and lender approval. Internet access required standard data rates apply to download and use mobile app. The time it takes for the loan to appear in your Neo Money™ account may vary. 5NETFILE accepts returns starting February 20, 2023. 4Internet access required standard data rates apply to download and use mobile app. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca. Deposits held in Neo Money™ accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor. 
The Neo Money™ account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection.
3The time it takes for the loan to appear in your Neo Money™ account may vary. 2Term of loan is from loan agreement effective date to the earlier of the date you receive your tax refund from the CRA (only if your tax refund is deposited into your Neo Money Account™) or 65 days. Subject to loan eligibility and lender approval. 1Average time to receive funds is between 0-30 minutes.
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