They had to activate the card themselves and set the pin number so they had my pin and all my info. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. from the Google Play Store and. Bank products and services are offered by Pathward, N.A. All deposit accounts through Pathward are FDIC insured. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. By clicking Sign up, you agree to receive marketing emails from Insider Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. She is also a Certified Educator in Personal Finance (CEPF). All tax situations are different. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. But the app and site refuse to even allow me to sign up. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. (member FDIC). 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.. It is not an extension of credit; it is a courtesy exercised at the banks discretion. The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. No monthly fees. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. 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 Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. 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. Now put it to work for your future. Download the app: Spruce is a mobile-friendly platform. This is a HUGE security risk and the first red flag !! 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 ? 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. Sophia Acevedo is a banking reporter at Insider. Limitations apply. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. I was at least able to get access to the money to pull it all off. 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 . 5 Stars, 3.75 I called their toll free number to close down my account since theres NO WAY Im going to trust this company or banking app with my info, let alone my money, and SURPRISE !! When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. FICOis a trademark of Fair Isaac Corporation. Tax returns may be e-filed without applying for this loan. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. Special cannot be part of TSB CD laddering package. Visit the resource center for money tips and financial knowledge. Endorse your check, then tap "Next". Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Interest calculated on current balance at day of deposit. Conditions apply. Audit services constitute tax advice 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. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. HRB Tax Group, Inc. Spruce is a mobile banking platform that doesnt come with any monthly fees. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Copyright 2023 Apple Inc. All rights reserved. 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. 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. A separate agreement is required for all Tax Audit & Notice Services. Bank products and services are offered by Pathward, N.A. A separate agreement is required for all Tax Audit & Notice Services. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Took 1 week to get my money back. Transfer funds: If you have a funding account, be ready to provide that information. Refund claims must be made during the calendar year in which the return was prepared. Find a Chase branch and ATM in Wylie, Texas. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. Enrollment restrictions apply. Original supporting documentation for dependents must be included in the application. 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. DO NOT Sell My Personal Information. Additional fees may apply. Tap "Front" and take a photo of the front of the check. 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. FRA2. 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. Have funds and absolutely NO access to them. You are responsible for tax treatment of funds. 2023 Money Crashers, LLC. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. . 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. 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. 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. Cash back rewards. *Go to disclaimer for more details. Yes. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. The developer provided this information and may update it over time. 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). Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Thank you! Money deposited in your account will be safe. Great news! Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. A qualifying expected tax refund and e-filing are required. When you turn on the Round Up feature in your account, Spruce rounds up the value of every purchase and ATM transaction to the next dollar. See, Important Terms, Conditions and Limitations apply. More information is available at sprucemoney.com. Most state programs available in January; software release dates vary by state. Get the latest tips you need to manage your money delivered to you biweekly. At an office, at home, or both, well do the work. MetaBank works to increase financial availability, choice, and opportunity for all. Direct Deposit Required: Yes Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Spruce is a new fintech platform created by the tax preparation company H&R Block. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? Spruce fintech platform is built by H&R Block, which is not a bank. 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. It is not an extension of credit; it is a courtesy exercised at the banks discretion. 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. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. Emerald Card Retail Reload Providers may charge a convenience fee. It is not an extension of credit; it is a courtesy exercised at our discretion. I liked the setup so much I used it to get my paycheck. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Thanks for your feedback! Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. We appreciate it and you for being a part of the Spruce community. Provide basic information: Be prepared to provide your email address, name, and phone number. Negative balances are limited to $20 and must be repaid within 30 days. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. * - You're Protected With Courtesy Coverage. 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. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. I log in, email, password, and then a screen says nice let's set up your account. Most state programs available in January; software release dates vary by state. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. HRB Maine License No. Spruce is a mobile banking platform that doesn't come with any monthly fees. We believe in a future with equitable access to easy and affordable banking. Bank products and services are offered by Pathward, N.A. Additional terms and restrictions apply; See. A Power of Attorney may be required for some Tax Audit & Notice Services. Were sorry to hear about the poor customer service experience you had and wed like to help! This course is not open to any persons who are currently employed by or seeking employment with any professional tax preparation company or organization other than H&R Block. Other restrictions apply; terms and conditions apply. Simple steps, easy tools, and help if you need it. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. Message and data rates may apply. Is this a joke ?? Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Its like its disabled ?? Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! Available only at participating H&R Block offices. Accounts may be opened through the Spruce app and on the Spruce website. A Red Ventures company. 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. NEW OFFER! 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? Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Negative balances are limited to $20 and must be repaid within 30 days. 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. Description of benefits and details at. We believe in a future with equitable access to easy and affordable banking. Read our editorial standards. White Collar criminals. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Let a professional handle your small business books. 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. 1 Spruce Rewards are powered by Dosh. I also had to call 4 different times because their were multiple charges for 1 item bought. Once registered, you will be able to add money to your card through direct deposit, linking your Spruce card to your bank account (for a fee of $3. HOW WHEN I NEVER GOT IT!!! Minimum monthly payments apply. 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. Thanks for your review! We compared Spruce Banking to two other online banking platforms: Chime and One. Let us know. * Offer from H&R Block. 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. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. 2023 Bankrate, LLC. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. All tax situations are different. All Rights Reserved. At which point it takes me right back to the log in screen. Offer valid only for 6-Month TSB CD Special. 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. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. 5 Credit score is FICOScore 8 based on Experian data. Receive your federal refund up to 5 days early with Spruce. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Pricing varies by location. See how Spruce makes security a top priority. II. 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. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. It gets worse from there.. We also get your email address to automatically create an account for you in our website. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. These are the most notable: No fintech app is perfect. 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. ^ Does not change IRS refund processing speed. Spruce fintech platform is built by H&R Block, which is not a bank. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. The perks include automatic cash back and early direct deposit. | Source: 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). Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. You dont have to activate your offers though. It is a discretionary courtesy, not an extension of credit. Its your credit make sure youre in charge. See your. Cards issued pursuant to license by Mastercard. H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. This is an optional tax refund-related loan from Pathward, N.A. 3 There is no fee to withdraw money at Allpoint ATMs. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. You don't need to be a client of H&R Block to become part of Spruce. All Rights Reserved. Spruce users can access more than 55,000 ATMs nationwide without fees. Bank products by Pathward, N.A., Member FDIC. 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 . Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. 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. LearnMore. 4 Early access to funds depends on the timing of the payers submission of the payment. Spruce is a mobile banking app for people who want to be better with money. Once the transaction settles, youll receive the difference in your Savings account. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Additional qualifications may be required. 5 Stars, 4.25 E-file fees do not apply to NY state returns. 2 Other fees apply for certain uses of the Spruce debit card and accounts. 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.