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. Payroll services and support to keep you compliant. 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. FRA2. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. An ITIN is an identification number issued by the U.S. government for tax reporting only. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. H&R Block Introduces Spruce Mobile Banking Platform to Help More Spruce Banking Review | The College Investor This is an optional tax refund-related loan from Pathward, N.A. DE, HI and VT do not support part-year/nonresident individual forms. Spruce Banking Promotions: $20 Direct Deposit Bonus (Nationwide) - Ends 2 Other fees apply for certain uses of the Spruce debit card and accounts. Additional fees and restrictions may apply. # Spruce Rewards powered by Dosh. HRB Tax Group, Inc. Seriously ?? 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. See Spruce Rewards powered by Dosh Terms for details. Limit one per customer. Cards issued pursuant to license by Mastercard. You'll want to look elsewhere for earning interest on your account, though. Theyll close the account but itll take longer than 5 business days to process the closure and send a check. Spruce is a financial technology platform built by H&R Block, which is not a bank. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. - Get your Federal Refund Early! Offer from H&R Block. Enrollment restrictions apply. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Spruce users can access more than 55,000 ATMs nationwide without fees. All Rights Reserved. Were sorry for the issue you encountered with Spruce, and wed like to help. Audit services only available at participating offices. Audit services only available at participating offices. Having an ITIN does not change your immigration status. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. So whatever the problem is, it's on y'all's end. Make sure you have some later too. Whoever is working the IT side of things for this digital product is a grade-A grifter extracting value from the economy without contributing anything to it. Spruce is the mobile banking app for you. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. If you had to think for even a moment about how to answer, you might be ready for a change. 6 Month CD Special | Tioga State Bank - Binghamton, NY - Vestal, NY # - Direct Deposit. Checking | First Fed . 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. Chime is a financial technology company, not a bank. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. 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. Special cannot be part of TSB CD laddering package. *Go to disclaimer for more details. White Collar criminals. Cash back offers and amounts may vary by user, merchant location and offer period. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Interest will be compounded and credited quarterly. Other Offers You May Like Premier Savings - Up to 4.13% APY Click Here to Learn More 4.13% APY when you have at least $1,000 balance No minimum opening deposit No monthly service fees Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. 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. You dont have to take our word for it (or H&R Blocks). Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. The Spruce mobile banking app can be downloaded in app stores. H&R Block Maine License Number: FRA2. A mobile banking app for people who want to make the most of their refund. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. 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? Additional information can be found by visiting www.metafinancialgroup.com. 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. 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. 5 Credit score is FICOScore 8 based on Experian data. You're saving it. Mobile Banking for People Who Want to Be Good with Money | Spruce Consult your own attorney for legal advice. If that name rings a bell, its because H&R Block is one of the biggest players in tax preparation, with thousands of locations around the country and robust online tax prep software to match. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Download the app: Spruce is a mobile-friendly platform. But if youre in the market for a new way to spend and save, its definitely worth a close look. There are more than 10,000 retailers that offer rewards. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. Discover money tips & financial resources. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Early access depends on when payment is submitted. She is based in Los Angeles. Additional training or testing may be required in CA, OR, and other states. All Rights Reserved. Courtesy of Spruce and for a limited time only, you can earn a $50 bonus when you open a new Spruce account and receive qualifying direct deposits during the offer period. Spruce Review A Mobile Banking Platform Built by H&R Block accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. If A Deposit Is Pending, Can I Use The Money? - Be The Budget I recently signed up for the spruce account because I file my taxes with H&R Block every single year. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. E-file fees do not apply to NY state returns. Refund Transfer is a bank deposit product, not a loan. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. A qualifying expected tax refund and e-filing are required. See how Spruce makes security a top priority. See Spruce Rewards powered by Dosh Terms for details. 0 Explore Spruce Emerald Savings Spruce is a financial technology platform built by H&R Block, which is not a bank. Here's how Spruce. All tax situations are different. * No monthly fees. - Round Up. A Red Ventures company. No sign-up fees. 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. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. The one disadvantage to this account is you won't earn any interest. Void where prohibited. Additional fees may apply. (member FDIC). US mobile banking app Spruce launches powered by SoFi Technologies 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. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Additional training or testing may be required in CA, OR, and other states. The Income Tax Course consists of 62 hours of instruction at the federal level, 68 hours of instruction in Maryland, 80 hours of instruction in California, and 81 hours of instruction in Oregon. Negative balances are limited to . Youre welcome to contact our media team about your story. 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. 2023 Bankrate, LLC. from the Google Play Store and. 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. 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. 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. Signing up for Spruce was easy, learning my way around the app was quite easy as well. . Data privacy and security practices may vary based on your use, region, and age. Get your paycheck up to 2 days early with direct deposit. Amended tax returns not included in flat fees. Member FDIC, provides the financial know-how that many Americans urgently need. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. We also get your email address to automatically create an account for you in our website. You can customize goals, start saving, and begin tracking your progress. 5 Stars, 4.25 out of Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. More information is available at sprucemoney.com. Thanks for your feedback! 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. 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). 529 Plans: The Ultimate College Savings Plan, Understanding And Using 529A ABLE Accounts, Using A Roth IRA To Save And Pay For College, Student Loan And Financial Aid Programs By State, The Guide To Military And VA Education Benefits, The Best College Scholarship Search Websites, Pell Grants: What They Are And How To Qualify, How To Use A 529 Plan If Your Child Doesnt Go To College, Best Student Loans And Rates In March 2023, 10 Best Private Student Loans Of March 2023, Best Student Loans To Pay For Graduate School, Best Student Loans To Pay For Medical School, Guide To Income Sharing Agreements (ISAs), Best Student Loan Refinance Companies In March 2023, Best Student Loan Refinancing Bonuses And Promotional Offers Of March 2023, Student Loan Forgiveness Programs (The Complete List), The Full List Of Student Loan Forgiveness Programs By State, How To Start Investing In Your Twenties For 22 29 Year Olds, How To Start Investing In Your 30s For 30 39 Year Olds, The Best Traditional And Roth IRA Accounts, The Best Places To Open A Health Savings Account, The Best Self-Directed IRA Providers Of 2023, 20 Best Side Hustles You Can Start Earning With In 2023, 54 Side Hustle Ideas To Make Money Fast In 2023, 100 Ways To Make Money In College In 2023, 5 Quick Money Making Ideas (That Take Less Than 1 Hour), 10 Interesting Ways You Can Make Money Driving, High-Paying Side Gigs That Earn $1,000 or More Per Month, Paid Surveys: Earn Money For Giving Your Opinion Online, 10 Crazy Ways To Make $10,000 Youve Never Heard Of, 40 Best Passive Income Ideas To Build Wealth In 2023, 3 Ways To Make $50,000 Per Year Without Working With Passive Income, How To Become A Real Estate Investor With Just $500, Residual Income: 7 Super Smart Ways to Build It, How To Become A Real Estate Mogul With Only $10,000, 10 Best High Yield Savings Accounts Of March 2023, 10 Best Money Market Accounts Of March 2023, 10 Best Free Checking Accounts In March 2023, 10 Best Business Checking Accounts In March 2023, Best Credit Unions Nationwide Of March 2023, Best College Student Checking Accounts Of March 2023. Credit Repair Explained: Should You Pay For Help? 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. To find out if you may be eligible for a HELOC, . H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Available only at participating H&R Block offices. If you are looking for a simple solution for your mobile banking needs that will help you get better with your money, try the Spruce Spending and Savings Accounts to get a $20 bonus with a direct deposit. Financial Services | H&R Block ThroughBlock AdvisorsandWave, the company helps small-business owners thrive with innovative products like Wave Money, a small-business banking and bookkeeping solution, and the only business bank account to manage bookkeeping automatically. 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. Fees apply. Negative balances are limited to $20 and must be repaid within 30 days. Emerald Card Retail Reload Providers may charge a convenience fee. *Go to disclaimer for more details, Get your paycheck up to two days early with direct deposit.2Go to disclaimer for more details, Get automatic cash back rewards at select retailers.1Go to disclaimer for more details. $50 will be deposited within 14 business days after completing all requirements. A Power of Attorney may be required for some Tax Audit & Notice Services. H&R Block is not a bank. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. 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. Year-round access may require an Emerald Savingsaccount. New car? **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. DE, HI and VT do not support part-year/nonresident individual forms. 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. When you deposit money into your checking or savings account, the money will show as 'pending' until the funds are verified and added to your available balance. 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.. Line balance must be paid down to zero by February 15 each year. Take a photo of both the front and back of the check (make sure to . 0 Get a $50 bonus when you receive qualifying direct deposits. 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. Emerald Card Retail Reload Providers may charge a convenience fee. 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. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. You can sign up online or through mobile. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Penalty for early withdrawal. E-file fees do not apply to NY state returns. The student will be required to return all course materials. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. You could receive a $50 bonus and get paid two days early. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. of Valid at participating locations 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. 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. Any investing information provided on this page is for educational purposes only. KANSAS CITY, MO. | Source: 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 platform that doesnt come with any monthly fees. It does nothing !! 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. The Spruce Spending Account is a solid free account. 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.. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early1Go to disclaimer for more details, and earn cash back rewards at select retailers.0Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. MetaBank has a B rating because it has 775 complaints filed against the business. Saving goals. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. They tell me they can see the account and all my info matches but I have no access to my money. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. (member FDIC). Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. This includes the more than 21 million households that already turn to H&R Block for their most significant financial event of the year, their tax return. All Rights Reserved. Requires opt in and $200 in qualifying deposits over prior 35-day period. 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. See, Important Terms, Conditions and Limitations apply. Offer valid only for 6-Month TSB CD Special. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. as well as other partner offers and accept our, Savings feature that allows you to set individual financial goals, Get cash back rewards through Dosh when you shop at one of 10,000+ select retailers, $20 bonus if you meet the requirements by April 20, 2022, Courtesy Coverage that covers a negative balance of up to $20 if you meet the requirements, $4.95 fee for bank teller cash withdrawals. 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. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Your goals can be anything you want them to be, from big ones like a down payment on a car or 6-month emergency fund to smaller ones like a new nonstick pan or work outfit. ; it is not your tax refund. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! You also have the chance to get your federal tax refund up to five days early. Now put it to work for your future. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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. 2 Get a $50 bonus when you receive qualifying direct deposits. Additional terms and restrictions apply; See. Minimum monthly payments apply. Additional qualifications may be required. 5 Stars, 3.75 Its your credit make sure youre in charge. We connect to your payroll provider, and you choose how much you'd like to deposit into Spruce each time you get paid.The next feature is the Watchlist, a quick and easy way to track your month-to-date spending by category. Spruce - Mobile banking on the App Store The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All Rights Reserved. See Spending Account Agreement for details. Let a professional handle your small business books. Spruce is a mobile banking app for people who want to be better with money. Additional fees and restrictions may apply. Millions of people use H&R Block to prepare and file their tax returns every year. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. Get help using Spruce online banking services. $20 bonus if you meet the requirements and open an account before April 20, 2022. Tax Audit & Notice Services include tax advice only. But the app and site refuse to even allow me to sign up. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Tax returns may be e-filed without applying for this loan. Were sorry for the issue you encountered with Spruce, and wed like to help. 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. Spruce isnt perfect; no fintech app is. Accounts may be opened through the Spruce app and on the Spruce website. Find a Chase branch and ATM in Wylie, Texas. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Pathward does not charge a fee for this service; please see your bank for details on its fees. Spruce fintech platform is built by H&R Block, which is not a bank. To qualify for early direct deposit, you must receive at least $200 in cumulative direct deposits from a benefits provider or employer (not your tax refund) within a 35-day qualifying period. Spruce - Mobile banking - Apps on Google Play