According to the IRS website most refunds are disbursed in less than 21 days. Refund Transfers are a bank product offered using Sunrise Banks N.A. of Saint Paul, MN, Member FDIC. Refund Transfers are not a loan. Tax refund and e-filing are required in order to receive Refund Transfer. Product terms and conditions are subject to change without notice. Other IRS e-file options are available.