Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. This means their mobile app does NOT sync with your phone or know who you are !!! 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. To address these needs, H&R Block (NYSE: HRB) announces the launch of the Spruce mobile banking platform to help everyone be good with money. # Spruce Rewards powered by Dosh. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. Additional fees apply for tax expert support. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. 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. 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. All Rights Reserved. This doesnt influence our evaluations or reviews. This isnt guaranteed because Spruce has no control over the IRS, but Spruce does make funds available as soon as it receives payment instructions for your refund which can happen as early as 5 days before the deposit would normally appear in your account. 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 ? You'll want to look elsewhere for earning interest on your account, though. Let us know. When you use Spruce, it's easy to set and monitor your progress toward financial goals. MetaBank works to increase financial availability, choice, and opportunity for all. 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. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! Spruce is a mobile banking app for people who want to be better with money. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. Well you can add money to spruce but good luck getting any money out of spruce. Receive your federal tax refund up to 5 days early, ** get paychecks up to two days early, 1 and earn automatic cash back rewards at select retailers. All tax situations are different. E-file fees do not apply to NY state returns. Thanks for your feedback! No minimum balance. A mobile banking app for people who want to make the most of their refund. State restrictions may apply. Fees for other optional products or product features may apply. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. No sign-up fees. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Theyll close the account but itll take longer than 5 business days to process the closure and send a check. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Copyright2022-2023 HRB Digital LLC. Safety starts with understanding how developers collect and share your data. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Tax returns may be e-filed without applying for this loan. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. 4 Early access to funds depends on the timing of the payers submission of the payment. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. 3 There is no fee to withdraw money at Allpoint ATMs. Your wireless carrier may charge a fee for text messaging or data usage. how about NO !! About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Get location hours, directions, customer service numbers and available banking services. Negative balances are limited to $20 and must be repaid within 30 days. See how Spruce makes security a top priority. Terms apply to offers listed on this page. of Valid at participating locations only. Limitations apply. Please drop us a line at solutions@sprucemoney.com or call us at 1-855-977-7823 so we can investigate this issue further and work on getting it fixed. . Make sure you have some later too. Interest calculated on current balance at day of deposit. out Earn cash back when you spend at select retailers. 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. Thank you! 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. 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. New car? The Spruce mobile banking app can be downloaded in app stores. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. 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., For decades, our core tax customers have been hard-working Americans who are trying to make ends meet. Visit the resource center for money tips and financial knowledge. Spruce is a new fintech platform created by the tax preparation company H&R Block. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. All tax situations are different. Enrollment restrictions apply. This is a separate service from your Spruce bank accounts, 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. Personal state programs are $39.95 each (state e-file available for $19.95). Not a 1 star for the app as much as the card and company itself. 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. HRB Tax Group, Inc. It gets worse from there.. State restrictions may apply. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. Terrible service. They tell me they can see the account and all my info matches but I have no access to my money. 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. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. A separate agreement is required for all Tax Audit & Notice Services. We're back with some exciting additions and updates to Spruce!First up, we've made it even easier for you to set up payroll direct deposit straight from the app. All deposit accounts through Pathward are FDIC insured. Most personal state programs available in January; release dates vary by state. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. Refund Transfer is a bank deposit product, not a loan. Get your paycheck up to 2 days early with direct deposit. 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. - Get your Federal Refund Early! Were sorry to hear about the poor customer service experience you had and wed like to help! Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. Took 1 week to get my money back. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Chime is a financial technology company, not a bank. 2023 Bankrate, LLC. Line balance must be paid down to zero by February 15 each year. 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. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. We believe in a future with equitable access to easy and affordable banking. Spruce has dozens of 5-star reviews in the App Store and numerous 4- and 5-star reviews from banking experts who review apps like Spruce for a living. Spruce has few fees. Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. I liked the setup so much I used it to get my paycheck. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Offer from H&R Block. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? What Is A 529 Plan and Where to Open One in Your State, How Much Should You Have In A 529 Plan By Age, How To Use A 529 Plan For Private Elementary And High School. Enrolled Agents do not provide legal representation; signed Power of Attorney required. 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 is a mobile banking app for people who want to be better with money. Spruce was built by US tax preparation firm H&R Block The app, launched on 20 January 2022, includes a spending account with a debit card, a connected savings account that allows for specific budgeting goals, early paycheque availability and overdraft protection. Below are links to some of her most popular stories: Fee-only vs. commission financial advisor, Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>, Are banks open today? There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. Youve been warned !! Interest will be compounded and credited quarterly. Additional information can be found by visiting www.metafinancialgroup.com. Cash back will be deposited in your Savings Account. Choosing between these three platforms will likely hinge on what you prioritize in your banking experience. Most state programs available in January; software release dates vary by state. 2022 HRB Tax Group, Inc. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. To address these needs, H&R Block (NYSE: HRB) announces the launch of the Spruce mobile banking platform to help everyone be good with money. Fees for other optional products or product features may apply. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. State e-file not available in NH. Special cannot be part of TSB CD laddering package. You can get your federal tax refund up to 5 days early with Spruce, set personalized savings goals and round up your purchases to reach them faster, and get automatic cash back from more than 10,000 participating retailers. CAA service not available at all locations. It was recommended to me when I visited H&R block to do my taxes. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. 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. Signing up for Spruce was easy, learning my way around the app was quite easy as well. MetaBank strives to remove barriers to financial access and promote economic mobility by working with third parties to provide responsible, secure, high quality financial products that contribute to the social and economic benefit of communities at the core of the real economy. Tap "Deposit checks" and choose the account where you want your deposit to go. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 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. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. If your employer issues paper paychecks, you receive checks for rebates . Cash-back rewards are provided by Dosh. 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. Every time I try I get a message that reads "Something went wrong, it's not you, it's us" the website/help center refers you to a phoneline, but the phoneline refers you back to the website. Spruce isnt totally fee-free, however. H&R Block Maine License Number: FRA2. I first got this app and the card for my tax refund. Refresh your finances with Spruce, a mobile banking app built by H&R Block. Minimum monthly payments apply. Void where prohibited. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. . Spruce offers a spending account with a debit card, as well as a connected savings account, to anyone, whether or not they are clients of H&R Block's tax-prep service. Supporting Identification Documents must be original or copies certified by the issuing agency. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Enter the deposit amount. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Spruce is a mobile banking platform that doesn't come with any monthly fees. Early access depends on when payment is submitted. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. 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). All Rights Reserved. My only real complaint is there isnt a specific section to see my pending deposits they kind of just show up (unless I havent found where to see that information yet). To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. HRB Maine License No. Consult your own attorney for legal advice. Should you need such advice, consult a licensed financial or tax advisor. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. If you have a high account balance, you also may want to consider other options. Refund claims must be made during the calendar year in which the return was prepared. 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. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. 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. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. # - Direct Deposit. Limited time offer at participating locations. ~ - Personalized Saving Goals. Learn about how Spruce can help you keep your data and funds safe. Again, Spruce generally makes funds available when it receives payment instructions, which can come up to 2 days ahead of your scheduled payday. They say it works with PayPal, cashapp, venmo etc..and it doesn't. Fees apply. MetaBank works to increase financial availability, choice, and opportunity for all. Other restrictions apply; terms and conditions apply. Spruce is a financial technology platform built by H&R Block, which is not a bank. See Spruce Rewards powered by Dosh Terms for details. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. Consult an attorney for legal advice. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. 0 Explore Spruce Emerald Savings Let a professional handle your small business books. Per Spruces fee schedule, you may incur fees for certain actions: Spruce has a lot of benefits, from its total lack of sign-up and maintenance fees to early tax refund and early payday for qualifying users and payers. Additional fees apply for tax expert support. See. See Spending Account Agreement for details. Additional time commitments outside of class, including homework, will vary by student. 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. Get the latest on H&R Block news directly to your inbox. OBTP#B13696. 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.. As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. Limit one per customer. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. 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