DO NOT USE H&R BLOCK FOR A RAL.....Efile online yourself using direct deposit to get the refund in 8-14 days. H&R BLOCK along with HSBC BANK are running a scam this year with the Refund Anticipation Loan -- telling consumers that they have been approved for the loan and will receive the money in 1-2 days. However, people that have been getting the loan for the past 3, 5, 8 years are being denied all of a sudden, with the bank stating that their criteria for the loan changes every year. If you fill today 01/29/2009 online with direct deposit, according to the IRS Refund Cycle Chart, you will see your refund deposited on 02/06/2009 -- just one week. Save yourself $300 and the headache of dealing with H&R Block and the Emerald Card, which is a way for H&R Block to "Hijack" your money, collect interest and cause a delay in your return.