How do I find out if you owe the bank for the Refund Anticipation Loan?

If it isn't your refund anticipation loan, then you can't find out that information. A RAL is money borrowed from a lender according to the refund you're expecting to receive. This is a loan between you and the lender, and it's considered a contract.

Therefore, you can only find out about your RAL, not someone else's. If your tax return has incomplete or inaccurate information that results in a smaller refund than the amount advanced to you through the RAL, then the tax preparation business that filed your RAL for you usually has that information.

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