The special magnetic toner has been used for years. The magnetic toner is used in order for the banks to process checks. Your personal checks, most likely, have the same magnetic toner used for your bank account information on the bottom of your check.
It has been at least two and maybe three years that there has been a charge of $20 for a printed check.
"Charges for checks were in effect in the last tax season. This is nothing new."
I heard a tax pro in my office last year tell a client that the $20 check fee was for the increase in cost of the "special magnetic ink" used on the checks.
"There will be additional charges incurred by customers that have their loans disbursed via check instead of having proceeds put on an Emerald Card."
Charges for checks were in effect in the last tax season. This is nothing new.
The instant RAL has not been affected by the debt indicator, since the bank never had a debt indicator prior to approving the instant RAL in the past. Therefore, HSBC is not in a position to refuse those loans based on the debt indicator. If they fund only the instant loans, that will probably satisfy their contract with HRB and I would be surprised if there was anything beyond that.