Regarding tax refund debit cards with m/c or visa logos, my prior understanding was that a bank could not refuse to accept or charge a fee for (over the counter or ATM) cash withdrawals. Is anybody aware of any changes to this or would you have a specific section to reference in their rules?

It would depend on your merchant agreement with the various card providers, i.e., Visa, MC.

What would be the chain of events if the bank advanced cash against a tax refund (visa or m/c) debit card and the card had been stolen? Also, are you accepting both embossed and unembossed cards this year during tax season?

Any thoughts?