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Customer service is available over-the-phone or online from 5 a.m. to midnight CT. We usually include ratings from the Better Business Bureau to help indicate how a business deal with customer issues and handles transparency. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. I downloaded the app and applied for account. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. The addition of the Spruce offering provides customers with a new mobile banking solution with additional ways to access and manage their money year-round. Pathward does not charge a fee for this service; please see your bank for details on its fees. State e-file not available in NH. *Go to disclaimer for more details. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Safety starts with understanding how developers collect and share your data. See how Spruce makes security a top priority. See, Important Terms, Conditions and Limitations apply. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Emerald Card Retail Reload Providers may charge a convenience fee. No problems whatsoever.til today. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. Last month, Block teamed up with Meta Financial's MetaBank to introduce Spruce, which gives clients a spending account, a debit card, and a mobile app, along with a connected savings . Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Original supporting documentation for dependents must be included in the application. You are required to meet government requirements to receive your ITIN. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Our deep understanding of their needs helped us uncover that whats been missing in mobile banking are easy-to-use features in a product from a company people know and trust, said Les Whiting, Chief Financial Services Officer of H&R Block. By authorizing H&R Block to e-file your tax return, or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. Take a photo of both the front and back of the check (make sure to . Description of benefits and details at. Update: HRBlock called me finally and kinda fixed the situation but not entirely. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. Get the latest on H&R Block news directly to your inbox. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. $50 will be deposited within 14 business days after completing all requirements. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Tax Audit & Notice Services include tax advice only. (Jan. 20, 2022) Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. DE, HI and VT do not support part-year/nonresident individual forms. Provide basic information: Be prepared to provide your email address, name, and phone number. Tax Identity Shield Terms, Conditions and Limitations, Free Worry-Free Audit Support is available only for clients who purchase and use H&R Block desktop software solutions to prepare and successfully file their 2022 individual income tax return (federal or state). Negative balances are limited to $20 and must be repaid within 30 days. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Cash back offers and amounts may vary by user, merchant location and offer period. All tax situations are different. She is also a Certified Educator in Personal Finance (CEPF). how about NO !! These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payers scheduled payment date. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. H&R Block Free Online is for simple returns only. I decided why not and filed my taxes to get my direct deposit into my new spruce account. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Additional fees apply for tax expert support. ; it is not your tax refund. Spruce is a financial technology platform that combines the best features of leading neo-banks with H&R Blocks trusted brand, our 66-year history, and the insights weve gained from helping millions of customers every year. At an office, at home, or both, well do the work. Whatever youre saving for, set personalized goals, start adding money, and track your progress. Theyre ridiculous and customer service is awful. ~ - Personalized Saving Goals. Copyright 2022-2023 HRB Digital LLC. Find a Chase branch and ATM in Wylie, Texas. Cash back will be deposited in your Savings Account. Limited time offer at participating locations. Tap "Front" and take a photo of the front of the check. Conditions apply. Payroll services and support to keep you compliant. Sophia Acevedo is a banking reporter at Insider. Spruce fintech platform is built by H&R Block, which is not a bank. Negative balances are limited to $20 and must be repaid within 30 days. All tax situations are different. Cards issued pursuant to license by Mastercard. Get location hours, directions, customer service numbers and available banking services. This is a HUGE security risk and the first red flag !! Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. We believe in a future with equitable access to easy and affordable banking. H&R Block is not a bank. . Youre welcome to contact our media team about your story. * - You're Protected With Courtesy Coverage. 5 Stars, 4.25 out of Terrible service. Once your account is created, you'll be logged-in to this account. Choosing between these three platforms will likely hinge on what you prioritize in your banking experience. So whatever the problem is, it's on y'all's end. 5 Stars. Other restrictions apply; terms and conditions apply. Among the dozens of newish fintech platforms Ive examined and reviewed over the past year or two, Spruce stands out for its simplicity, usefulness, and transparent fee structure. See Spending Account Agreement for details. You don't want to lose it. Tax Audit & Notice Services include tax advice only. May be modified or discontinued at any time. See Spruce Rewards powered by Dosh Terms for details. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. Signing up for Spruce was easy, learning my way around the app was quite easy as well. Were sorry for the issue you encountered with Spruce, and wed like to help. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. Pay yourself when you spend and round up to the nearest dollar. Get help using Spruce online banking services. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. Its accounts come with several special perks like cash-back rewards and early direct deposit. New car? Well you can add money to spruce but good luck getting any money out of spruce. It allows you to overdraw your Spending account up to $20 at Spruces sole discretion for debit card purchase transactions, over-the-counter cash withdrawals, and ATM withdrawals. I log in, email, password, and then a screen says nice let's set up your account. Refund claims must be made during the calendar year in which the return was prepared. See www.SpruceMoney.com/feesfor details. Additional terms and restrictions apply; See. Take a photo of the back of the check. H&R Block is a registered trademark of HRB Innovations, Inc. TurboTaxand Quickenare registered trademarks of Intuit, Inc. TaxActis a registered trademark of TaxAct, Inc. Windowsis a registered trademark of Microsoft Corporation. Available only at participating H&R Block offices. From paying for school to buying a car, Spruce also has options to set up automatic transfers towards savings. Visit the resource center for money tips and financial knowledge. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. You can use these tools to build (or rebuild) your credit on your own terms. During the Income Tax Course, should H&R Block learn of any students employment or intended employment with a competing professional tax preparation company, H&R Block reserves the right to immediately cancel the students enrollment. Spruce users can access more than 55,000 ATMs nationwide without fees. Member FDIC, provides the financial know-how that many Americans urgently need. out Line balance must be paid down to zero by February 15 each year. By authorizing H&R Block to e-file your tax return, or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. If you discover an error in the H&R Block tax preparation software that entitles you to a larger refund (or smaller liability), we will refund the software fees you paid to prepare that return and you may use our software to amend your return at no additional charge. For tax years beginning after 2017, applicants claimed as dependents must also prove U.S. residency unless the applicant is a dependent of U.S. military personnel stationed overseas. Spruce is a financial technology platform that combines the best features of leading neo-banks with H&R Blocks trusted brand, our 66-year history, and the insights weve gained from helping millions of customers every year. Void where prohibited. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. KANSAS CITY, MO. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Endorse your check, then tap "Next". Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? Now put it to work for your future. The student will be required to return all course materials. Read our editorial standards. Download the app: Spruce is a mobile-friendly platform. OBTP#B13696. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. No minimum balance. Penalty for early withdrawal. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Our front row seat on American life provides a unique understanding of how to help people get better with money, and weve applied those learnings to Spruce, said Jeff Jones, President and CEO of H&R Block. Receive 20% off next years tax preparation if we fail to provide any of the 4 benefits included in our No Surprise Guarantee (Upfront Transparent Pricing, Transparent Process, Free Audit Assistance, and Free Midyear Tax Check-In). Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Spruce fintech platform is built by H&R Block, which is not a bank. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. With Spruce, you'll open checking and savings accounts. Like most other check-cashing services, there is a free option if you can wait 10 days for your deposit with the option for instant deposit with a modest fee. To qualify for the H&R Block Maximum Refund Guarantee, the refund claim must be made during the calendar year in which the return was prepared and the larger refund or smaller tax liability must not be due to incomplete, inaccurate, or inconsistent information supplied by you, positions taken by you, your choice not to claim a deduction or credit, conflicting tax laws, or changes in tax laws after January 1, 2022. II. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. File yourself or with a small business certified tax professional. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Interest will be compounded and credited quarterly. SpruceSM Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. 4 Early access to funds depends on the timing of the payers submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payers scheduled payment date. Here's a list of US bank holidays for 2023, These banks and credit unions allow you to exchange foreign currency at a branch, over the phone, or online, Four reasons why your debit card might be denied even when you have money. 2nd red flag !! Get started today See all features Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. We compared Spruce Banking to two other online banking platforms: Chime and One. All Rights Reserved. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. Fees for other optional products or product features may apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. If you havent gotten a card from them, they want the card info before sending you another card! Spruce Accounts may not be closed or restricted at payout. The following data may be collected and linked to your identity: Privacy practices may vary, for example, based on the features you use or your age. H&R Block is a registered trademark of HRB Innovations, Inc. TurboTaxand Quickenare registered trademarks of Intuit, Inc. TaxActis a registered trademark of TaxAct, Inc. Windowsis a registered trademark of Microsoft Corporation. *Go to disclaimer for more details. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. You could receive a $50 bonus and get paid two days early. Bank products by Pathward, N.A., Member FDIC. A separate agreement is required for all Tax Audit & Notice Services. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Consult your own attorney for legal advice. Spruce is a mobile banking platform that doesn't come with any monthly fees. ^ Does not change IRS refund processing speed. Enrollment restrictions apply. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Reach him on Twitter, Open eligible new Spruce accounts between 1/1/23 and 6/30/23, Receive $200 in qualifying direct deposits within 45 days of opening, Qualifying direct deposits are ACH credits, including direct deposits but excluding tax refunds, Nonqualifying deposits include internal transfers, external account transfers into Spruce, cash transfers, and mobile check deposits (including paycheck deposits), Receive $200 in cumulative qualifying direct deposits in your Spending account from an employer, payroll, or government benefits provider during a 35-day period, After opting in, you must continue to receive $200 or more in cumulative qualifying direct deposits every month, You must pay back any Courtesy Coverage overdraft within 30 days, Name the goal (the better to track it in the app), Upload a photo to make your goal easier to remember, Set up optional automatic transfers so you dont have to manually transfer funds from your Spending account to your Savings account, Track your progress in the app, which shows the amount left to save. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Enrollment in, or completion of, the H&R Block Income Tax Course or Tax Knowledge Assessment is neither an offer nor a guarantee of employment. HRB Tax Group, Inc. KANSAS CITY, Mo., Jan. 20, 2022 (GLOBE NEWSWIRE) -- Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. Additional fees and restrictions may apply. out Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Took 1 week to get my money back. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. You have it. While the Spruce mobile banking offering is new to the marketplace, H&R Block has been offering clients access to quality financial products and services for decades. Additional training or testing may be required in CA, OR, and other states. We're back with some exciting additions and updates to Spruce! Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. They tell me they can see the account and all my info matches but I have no access to my money. With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Minimum balance of $5,000 required to open account and obtain the APY. A Red Ventures company. All three banking platforms require no minimum opening, deposit, or monthly fees. Pricing varies by location. All tax situations are different. Supporting Identification Documents must be original or copies certified by the issuing agency. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. micohn. During the Income Tax Course, should H&R Block learn of any students employment or intended employment with a competing professional tax preparation company, H&R Block reserves the right to immediately cancel the students enrollment. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. I liked the setup so much I used it to get my paycheck. Were sorry for the issue you encountered with Spruce, and wed like to help. A Power of Attorney may be required for some Tax Audit & Notice Services. There are more than 10,000 retailers that offer rewards. See www.SpruceMoney.com/fees for details. Check the Spruce app for offer availability. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. 2023 Bankrate, LLC. We may have financial relationships with some of the companies mentioned on this website. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Most personal state programs available in January; release dates vary by state. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Most state programs available in January; software release dates vary by state. (member FDIC). It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Void where prohibited. 4 Early access to funds depends on the timing of the payers submission of the payment. Form your business and you could get potential tax savings. See Spruce Rewards powered by Dosh Terms for details. Emergency fund? A Red Ventures company. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023.