Void where prohibited. This is an optional tax refund-related loan from Pathward, N.A. OBTP#B13696. Credit score is FICO Score 8 based on Experian data. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. References to products, offers, and rates from third party sites often change. Refund claims must be made during the calendar year in which the return was prepared. State e-file not available in NH. We appreciate it and you for being a part of the Spruce community. Its your credit make sure youre in charge. Member FDIC, provides the financial know-how that many Americans urgently need. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Negative balances are limited to $20 and must be repaid within 30 days. Available only for federal refunds. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. Creating and launching Spruce is a huge milestone for our company as we continue to execute on our transformation and growth strategy, Block Horizons 2025., Spruce is a Mobile Banking App and includes a Debit Card with Benefits, For decades, our core tax customers have been hard-working Americans who are trying to make ends meet. Bank products and services are offered by Pathward, N.A. May be changed or discontinued at any time. Not a 1 star for the app as much as the card and company itself. $50 will be deposited within 14 business days after completing all requirements. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. A separate agreement is required for all Tax Audit & Notice Services. Available only at participating H&R Block offices. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list, 3.75 out of Spruce has some other key benefits. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. FRA2. Spruce users can access more than 55,000 ATMs nationwide without fees. If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), well refund the tax prep fee for that return and file an amended return at no additional charge. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. All Rights Reserved. Enrolled Agents do not provide legal representation; signed Power of Attorney required. 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. H&R Block, Inc. (NYSE: HRB) provides help and inspires confidence in its clients and communities everywhere through globaltax preparation services,financial products, andsmall-business solutions. BIG MISTAKE !!! All three banking platforms require no minimum opening, deposit, or monthly fees. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 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. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. There is no tuition fee for the H&R Block Income Tax Course; however, you may be required to purchase course materials, which may be non-refundable. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Additional terms and restrictions apply; See. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Chime is a financial technology company, not a bank. 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. * Offer from H&R Block. Well help you understand the factors that make up your credit score, show how youre doing in each area, and give you tips that could help bring up your score.5Go to disclaimer for more details, Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.6Go to disclaimer for more details. Our customers already trust us with their most personal financial details when we help them file their taxes, and we created the Spruce solution to help address their unmet banking needs, too.. This card and service is downright awful. Pricing varies by location. ; it is not your tax refund. See Spruce Rewards powered by Dosh Terms for details, 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). 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. This is based on our NLP (Natural language processing) analysis of over 135 User Reviews sourced from the Appstore and the appstore cumulative rating of 3.4/5 . - Get your Federal Refund Early! Having an ITIN does not change your immigration status. Other restrictions apply; terms and conditions apply. If your employer issues paper paychecks, you receive checks for rebates . 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. Additional time commitments outside of class, including homework, will vary by student. Offers vary by user, merchant location and offer period. She is based in Los Angeles. Editorial Note: Spruce is a mobile banking platform that doesn't come with any monthly fees. 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. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. You can customize goals, start saving, and begin tracking your progress. All Rights Reserved. H&R Block Maine License Number: FRA2. Thanks for your feedback! Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Pricing varies by location. No sign-up fees. All Rights Reserved. Fees for other optional products or product features may apply. Again, Spruce generally makes funds available when it receives payment instructions, which can come up to 2 days ahead of your scheduled payday. GET PAID UP TO TWO DAYS EARLY Enroll in direct deposit to access your paycheck sooner. FREE CREDIT SCORE Understand what makes up your credit score, how different . Tax Audit & Notice Services include tax advice only. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. 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. 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. So Im a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank. You have to wait 5 days for someone to reach out to you but I told them Id contact my attorney for holding funds hostage and they called right away. Saving goals. Amended tax returns not included in flat fees. Consult your own attorney for legal advice. # Spruce Rewards powered by Dosh. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. *Go to disclaimer for more details. Additional fees may apply. - Round Up. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Get location hours, directions, customer service numbers and available banking services. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. You are required to meet government requirements to receive your ITIN. H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. (member FDIC). It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. *Go to disclaimer for more details, Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers,1Go to disclaimer for more details and get paychecks up to two days early.2Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. No credit check to apply. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice. Cards issued pursuant to license by Mastercard. (member FDIC). H&R Block is not a bank. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. With no sign-up fees or maintenance fees, no minimum balance requirements, and a generous cash-back program, its fantastic for day-to-day money management. Bank deposit accounts, such as checking and . Once your account is created, you'll be logged-in to this account. Negative balances are limited to $20 and must be repaid within 30 days. Terms and conditions apply; see. Message and data rates may apply. Spruce is a new fintech platform created by the tax preparation company H&R Block . Spruce isnt totally fee-free, however. Terms apply to offers listed on this page. Spruce demonstrates how H&R Block continues to expand into key adjacencies, such as fintech, and is one more way in which the company is helping customers achieve year-round financial confidence. Conditions apply. Learn about how Spruce can help you keep your data and funds safe. You can file your return and receive your refund without applying for a Refund Transfer. Having an ITIN does not change your immigration status. 4 Early access to funds depends on the timing of the payers submission of the payment. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Fees may reduce earnings. If the online tax preparation or tax software makes an arithmetic error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, H&R Block will reimburse you up to a maximum of $10,000. Description of benefits and details at. 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. All deposit accounts through Pathward are FDIC insured. No monthly fees, no sign-up fees, no minimum balance requirement. Create personalized saving goals and round up your purchases. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. As the pandemic continues, and related economic uncertainty has highlighted the value of simple, easy-to-use spending and savings tools, Spruce, built by H&R Block with banking products powered by MetaBank, N.A. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. ^ Does not change IRS refund processing speed. Have funds and absolutely NO access to them. Direct Deposit Required: Yes No sign-up fees. Thank you! A Red Ventures company. Let a professional handle your small business books. MetaBank works to increase financial availability, choice, and opportunity for all. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. MetaBank works to increase financial availability, choice, and opportunity for all. Additional qualifications may be required. But Spruce does offer early direct deposit for your paycheck if your payer qualifies. 2nd red flag !! State e-file not available in NH. H&R Block Maine License Number: FRA2. 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. More information is available at sprucemoney.com. Your wireless carrier may charge a fee for text messaging or data usage. 5 Credit score is FICOScore 8 based on Experian data. New car? Lets take a closer look at a few of the features and capabilities that set Spruce apart: Spruce is built and backed by H&R Block. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. See www.SpruceMoney.com/feesfor details. With the Spruce mobile banking app on your phone, you have control of your finances on-the-go, and the tools you need to be good with money. It is not an extension of credit; it is a courtesy exercised at the banks discretion. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Spruce fintech platform is built by H&R Block, which is not a bank. Additional terms and restrictions apply; See. At an office, at home, or both, well do the work. Youre welcome to contact our media team about your story. Once youre in the mobile app, if you try clicking on security notifications to choose how youd like your security set up, it doesnt do anything ? Get help using Spruce online banking services. Earn rewards automatically.1Go to disclaimer for more details When you use Spruce, youll get access to rewards when you shop select retailers you know and love. Thanks for your review! 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. Void where prohibited. January 20, 2022 08:00 ET Data privacy and security practices may vary based on your use, region, and age. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. A separate agreement is required for all Tax Audit & Notice Services. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. Emerald Advance, When you use an ATM, in addition to the fee charged by the bank, you may be charged an additional fee by the ATM operator. 0 Get a $50 bonus when you receive qualifying direct deposits. 2023 Bankrate, LLC. Through Dosh, its rewards partner, Spruce teams with over 10,000 retail locations, including many merchants grocery stores, restaurants, hotels you may already spend with. Not safe, not secure and no one can really help you. Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. KANSAS CITY, MO. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Bank products by Pathward, N.A., Member FDIC. State e-file not available in NH. Youve been warned !! 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. See, H&R Block Emerald Advance line of credit, H&R Block Emerald Savings and H&R Block Emerald Prepaid Mastercard are offered by Pathward, N.A., Member FDIC. 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. Thank you! See your. Offer valid only for 6-Month TSB CD Special. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. (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. State restrictions may apply. Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. E-file fees do not apply to NY state returns. . 2 Other fees apply for certain uses of the Spruce debit card and accounts. Is this a joke ?? 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. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Additional fees may apply. There's also a fee if you go inside a another bank and withdraw cash with a teller. Copyright 2023 Apple Inc. All rights reserved. See, Important Terms, Conditions and Limitations apply. Take a photo of the back of the check. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. All tax situations are different. NEW OFFER! US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. DE, HI and VT do not support part-year/nonresident individual forms. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself.

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