If youre intrigued by what youve learned about Spruce so far, keep reading for more details about its core features and capabilities. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. DE, HI and VT do not support part-year/nonresident individual forms. This doesnt influence our evaluations or reviews. Thank you! And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.Here's how Spruce can help you be good with money:- No sign-up fees, no monthly fees, no credit check, and no minimum balance required. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Your wireless carrier may charge a fee for text messaging or data usage. Spruce fintech platform is built by H&R Block, which is not a bank. # Spruce Rewards powered by Dosh. H&R Block Maine License Number: FRA2. Requires opt in and $200 in qualifying deposits over prior 35-day period. No monthly fees, no sign-up fees, no minimum balance requirement. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. (member FDIC). *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. 5 Credit score is FICOScore 8 based on Experian data. Bank products and services are offered by Pathward, N.A. However, the Spending and Savings accounts are FDIC insured through Spruce's. It was recommended to me when I visited H&R block to do my taxes. 5 Stars, 4.25 out of More information is available at sprucemoney.com. Emergency fund? Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early.7Go to disclaimer for more details. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Theyll close the account but itll take longer than 5 business days to process the closure and send a check. With Spruce, you can receive your federal tax refund up to 5 days early. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. - Cash Back. Most personal state programs available in January; release dates vary by state. Copyright 2023 Apple Inc. All rights reserved. Additional fees and restrictions may apply. Limitations apply. Were sorry for the issue you encountered with Spruce, and wed like to help. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Audit services constitute tax advice only. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Create personalized saving goals and round up your purchases. We appreciate it and you for being a part of the Spruce community. ^ Does not change IRS refund processing speed. They had to activate the card themselves and set the pin number so they had my pin and all my info. I get a call center in a foreign country.. Philippines !! 5 Credit score is FICOScore 8 based on Experian data. Conditions apply. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Are you a journalist or member of the media with a question or request? Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. 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. 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. E-file fees do not apply to NY state returns. You're saving it. Pathward does not charge a fee for this service; please see your bank for details on its fees. To do this, many or all of the products featured here may be from our partners. Offer from H&R Block. Safety starts with understanding how developers collect and share your data. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Thank you! Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. FICO is a trademark of Fair Isaac Corporation. Signing up for Spruce was easy, learning my way around the app was quite easy as well. All Rights Reserved. Thanks for your feedback! Were sorry for the issue you encountered with Spruce, and wed like to help. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Void where prohibited. 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. 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. Editorial Note: Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. See Spruce Rewards powered by Dosh Terms for details. Minimum monthly payments apply. 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. A qualifying expected tax refund and e-filing are required. 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. - Get your Federal Refund Early! All Rights Reserved. Spruce has no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs4Go to disclaimer for more details all around the country. (member FDIC). It does nothing !! The one disadvantage to this account is you won't earn any interest. MetaBank works to increase financial availability, choice, and opportunity for all. No luck, it's pulling the exact same thing. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Saving goals. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. It is not an extension of credit; it is a courtesy exercised at the banks discretion. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. All Rights Reserved. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. May be modified or discontinued at any time. You might be able to use a portion of your home's value to spruce it up or pay other bills with a Home Equity Line of Credit. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. Early access depends on when payment is submitted. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. 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 Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. 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. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. Negative balances are limited to . Should you need such advice, consult a licensed financial or tax advisor. Additional fees may apply. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. See www.SpruceMoney.com/fees for details. 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. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Download the app: Spruce is a mobile-friendly platform. Here's how Spruce can help you be good with money: - No sign-up fees, no monthly fees, no credit check, and no minimum balance required. Spruce fintech platform is built by H&R Block, which is not a bank. Make sure you have some later too. 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. You also have the chance to get your federal tax refund up to five days early. Year-round access may require an Emerald Savingsaccount. Transfer funds: If you have a funding account, be ready to provide that information. Let us know. All tax situations are different. Personal state programs are $39.95 each (state e-file available for $19.95). Terms and conditions apply; see. Bank deposit accounts, such as checking and . 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. Spruce is a financial technology platform built by H&R Block, which is not a bank. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. 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 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. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Negative balances are limited to $20 and must be repaid within 30 days. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. About H&R BlockH&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. Discover money tips & financial resources. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. 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 . 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 . H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. (member FDIC). Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. 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. 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. See how Spruce makes security a top priority. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! 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. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Additional fees apply for tax expert support. It is a discretionary courtesy, not an extension of credit. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. State restrictions may apply. What Does It Offer? Fees apply. Additional time commitments outside of class, including homework, will vary by student. Description of benefits and details at. Form your business and you could get potential tax savings. Terrible service. 5 Stars, 3.75 Fees apply to Emerald Card bill pay service. 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. Copyright2022-2023 HRB Digital LLC. Find a Chase branch and ATM in Wylie, Texas. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. 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. You can file your return and receive your refund without applying for a Refund Transfer. All tax situations are different. Thanks for your feedback! For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . 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). No one can help me or give me information. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward.