Description of benefits and details at. Year-round access may require an Emerald Savingsaccount. 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. Spruce Banking Bonuses: $20 Direct Deposit Promotion (Nationwide) Online bank vs online banking platform: Which is better for you? 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. Data privacy and security practices may vary based on your use, region, and age. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Simple steps, easy tools, and help if you need it. You dont have to take our word for it (or H&R Blocks). NEW OFFER! 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. 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 . 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. Get the latest on H&R Block news directly to your inbox. There are limits on the total amount you can transfer and how often you can request transfers. Negative balances are limited to $20 and must be repaid within 30 days. 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. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Thanks for your feedback! (member FDIC). Get location hours, directions, customer service numbers and available banking services. 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. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. The Spruce Spending Account is a solid free account. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. 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. 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. 2nd red flag !! Additional fees and restrictions may apply. No sign-up fees. 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. Spruce - Mobile banking Reviews 2023 | JustUseApp Reviews 3 There is no fee to withdraw money at Allpoint ATMs. Most personal state programs available in January; release dates vary by state. HRB Maine License No. You're saving it. 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. State e-file not available in NH. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. At an office, at home, or both, well do the work. *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. 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. ^ Does not change IRS refund processing speed. Additional fees apply for tax expert support. You also have the chance to get your federal tax refund up to five days early. Download the app: Spruce is a mobile-friendly platform. Are There Any Fees? Signing up for Spruce was easy, learning my way around the app was quite easy as well. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Are you a journalist or member of the media with a question or request? Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. Negative balances are . Additional fees and restrictions may apply. Minimum balance of $5,000 required to open account and obtain the APY. 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. Visit the resource center for money tips and financial knowledge. Cash-back rewards are provided by Dosh. 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. 3 There is no fee to withdraw money at Allpoint ATMs. Valid at participating locations only. 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. * No monthly fees. Additional qualifications may be required. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. 2023 Bankrate, LLC. 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. You can use these tools to build (or rebuild) your credit on your own terms. Line balance must be paid down to zero by February 15 each year. Check the Spruce app for offer availability. Youve been warned !! 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. Cards issued pursuant to license by Mastercard. A separate agreement is required for all Tax Audit & Notice Services. State e-file not available in NH. Additional time commitments outside of class, including homework, will vary by student. More information is available at sprucemoney.com. No monthly fees. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Bill pay, mobile deposit, and multiple transfer options to help you send money quickly and conveniently Personalized support through our Branch network, Live Chat assistants, ITM services and Customer Contact Center Explore your options to see the different features and benefits that come with each account: Evergreen Checking Northwest Checking 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. You can file your return and receive your refund without applying for a Refund Transfer. *Go to disclaimer for more details. This doesnt influence our evaluations or reviews. 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. Your wireless carrier may charge a fee for text messaging or data usage. Its your credit make sure youre in charge. This means their mobile app does NOT sync with your phone or know who you are !!! Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. May be changed or discontinued at any time. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. 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. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. (member FDIC). Terms and conditions apply; see. The Spruce mobile banking app can be downloaded in app stores. 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. May be modified or discontinued at any time. January 20, 2022 08:00 ET 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. 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. 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. A mobile banking app for people who want to make the most of their refund. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. Spruce Mobile Banking Platform | H&R Block Newsroom Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. # - Direct Deposit. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Our opinions are our own. Any investing information provided on this page is for educational purposes only. I decided why not and filed my taxes to get my direct deposit into my new spruce account. Spruce isnt totally fee-free, however. 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. * - You're Protected With Courtesy Coverage. LearnMore. White Collar criminals. Receive your federal refund up to 5 days early with Spruce. 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. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. You could receive a $50 bonus and get paid two days early. H&R Block is not a bank. Offer from H&R Block. A Red Ventures company. Update: HRBlock called me finally and kinda fixed the situation but not entirely. 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. No one can help me or give me information. Bank products by Pathward, N.A., Member FDIC. CAA service not available at all locations. See. Conditions apply. Spruce is a Mobile Banking App and includes a Debit Card with Benefits . 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. 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. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Thanks for your review! But the app and site refuse to even allow me to sign up. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! Tax Audit & Notice Services include tax advice only. See Spruce Rewards powered by Dosh Terms for details. No problems whatsoever.til today. Read our editorial standards. Spruce Banking Review | The College Investor 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. Payroll services and support to keep you compliant. Form your business and you could get potential tax savings. Additional information can be found by visiting www.metafinancialgroup.com. Void where prohibited. No credit check to apply. As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. I first got this app and the card for my tax refund. Checking | First Fed Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. 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. State e-file available for $19.95. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. Thank you! Millions of people use H&R Block to prepare and file their tax returns every year. Enrolled Agents do not provide legal representation; signed Power of Attorney required. 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 https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. 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. They say it works with PayPal, cashapp, venmo etc..and it doesn't. 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. 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. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. 2 Get a $50 bonus when you receive qualifying direct deposits. Copyright2022-2023 HRB Digital LLC. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. Audit services constitute tax advice only. MetaBank works to increase financial availability, choice, and opportunity for all. 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. 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 . OBTP#B13696. Refund Transfer is a bank deposit product, not a loan. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. I would run from these people. 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). How Do I Contact Spruce? Interest calculated on current balance at day of deposit. A separate agreement is required for all Tax Audit & Notice Services. Spruce - Mobile banking - App Details, Features & Pricing [2022 It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Spruce is a financial technology platform built by H&R Block, which is not a bank. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. . H&R Block Maine License Number: FRA2. Negative balances are limited to $20 and must be repaid within 30 days. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. 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. Valid at participating locations only. The company blends digital innovation with human expertise and care as it helps people get the best outcome at tax time and also be better with money using its mobile banking app,Spruce. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early 1, and earn cash back rewards at select retailers. 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. transactions, or (2) that is capable of conducting Mobile Banking transactions by using other protocols we may choose to permit (e.g., Wireless Application Protocol (WAP) or text (SMS) messaging). Having an ITIN does not change your immigration status. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. Pricing varies by location. micohn. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. Spruce is a mobile banking platform built and backed by H&R Block. 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. See Spending Account Agreement for 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, 1 and get paychecks up to two days early. Wylie | Chase Bank You don't want to lose it. 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. Refund Transfer is a bank deposit product, not a loan. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. H&R Block Maine License Number: FRA2. 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. Learn how to keep it safe. 6 Month CD Special | Tioga State Bank - Binghamton, NY - Vestal, NY OBTP#B13696. She told me she would have to submit a request to their back office to close my account and that basically I MIGHT get an email confirming closure, whenever they get around to it ?? Never even asked for this and here I am with no insight on when Ill be able to access the money. But if youre in the market for a new way to spend and save, its definitely worth a close look. Make money when you spend money at select retailers. 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.
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