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 Other restrictions apply; terms and conditions apply. See. Data privacy and security practices may vary based on your use, region, and age. Check the Spruce app for offer availability. At the moment, Spruce doesnt offer early deposit for state tax refunds. 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. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Youve been warned !! If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. Enter the deposit amount. Spruce is a Mobile Banking App and includes a Debit Card with Benefits . Read our editorial standards. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. 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). Limited time offer at participating locations. 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. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. A separate agreement is required for all Tax Audit & Notice Services. Penalty for early withdrawal. You are responsible for tax treatment of funds. micohn. 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. 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. State restrictions may apply. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. I decided why not and filed my taxes to get my direct deposit into my new spruce account. At which point it takes me right back to the log in screen. All Rights Reserved. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. No minimum balance. Interest calculated on current balance at day of deposit. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. It was recommended to me when I visited H&R block to do my taxes. 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. State e-file not available in NH. how about NO !! DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Find a Chase branch and ATM in Wylie, Texas. CAA service not available at all locations. Cash back offers and amounts may vary by user, merchant location and offer period. Limitations apply. 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. 2022 HRB Tax Group, Inc. Year-round access may require an Emerald Savingsaccount. Bank products by Pathward, N.A., Member FDIC. Accounts may be opened through the Spruce app and on the Spruce website. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. 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. Spruce fintech platform is built by H&R Block, which is not a bank. Additional qualifications may be required. The Spruce Savings Account may be ideal if you're looking for unique savings features. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. 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 information can be found by visiting www.metafinancialgroup.com. Consult an attorney for legal advice. 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). We believe in a future with equitable access to easy and affordable banking. Thanks for your feedback! At an office, at home, or both, well do the work. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. Bank products and services are offered by Pathward, N.A. Bank products and services are offered by Pathward, N.A. H&R Block Maine License Number: FRA2. All Rights Reserved. H&R Block does not provide immigration services. Get the latest on H&R Block news directly to your inbox. Most personal state programs available in January; release dates vary by state. More information is available at sprucemoney.com. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. See. We have you on our list and we promise to only send you the good stuff. Terms and conditions apply; see. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. Tax returns may be e-filed without applying for this loan. Spruce is a mobile banking platform built and backed by H&R Block. You're saving it. Safety starts with understanding how developers collect and share your data. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Direct Deposit Required: Yes We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. H&R Block is not a bank. I also had to call 4 different times because their were multiple charges for 1 item bought. 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. Copyright2022-2023 HRB Digital LLC. 2023 Money Crashers, LLC. 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. Additional fees apply for tax expert support. Emerald Card Retail Reload Providers may charge a convenience fee. Let a professional handle your small business books. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. All deposit accounts through Pathward are FDIC insured. Bank products by Pathward, N.A., Member FDIC. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. 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 ? Earn cash back when you spend at select retailers. If your employer issues paper paychecks, you receive checks for rebates . Having an ITIN does not change your immigration status. 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. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). of The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. 5 Stars, 4.25 out of 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. This doesnt influence our evaluations or reviews. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. See, Important Terms, Conditions and Limitations apply. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. 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 . 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). At The College Investor, we want to help you navigate your finances. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. Special cannot be part of TSB CD laddering package. 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 makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. A Power of Attorney may be required for some Tax Audit & Notice Services. You could receive a $50 bonus and get paid two days early. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. 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. It is not an extension of credit; it is a courtesy exercised at the banks discretion. Most state programs available in January; software release dates vary by state. I log in, email, password, and then a screen says nice let's set up your account. 1 Spruce Rewards are powered by Dosh. 2022 HRB Tax Group, Inc. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! 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. 2nd red flag !! See your. Access your favorite topics in a personalized feed while you're on the go. *Go to disclaimer for more details. Pathward does not charge a fee for this service; please see your bank for details on its fees. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. 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 passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. You have to wait 5 days for someone to reach out to you but I told them Id contact my attorney for holding funds hostage and they called right away. DE, HI and VT do not support part-year/nonresident individual forms. We're back with some exciting additions and updates to Spruce! Editorial Note: Terms apply to offers listed on this page. 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. 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. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? Valid at participating locations only. 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. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. (member FDIC). Pathward does not charge a fee for this service; please see your bank for details on its fees. See Spending Account Agreement for details. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. January 20, 2022 08:00 ET 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. 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. She is also a Certified Educator in Personal Finance (CEPF). The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. Here's how Spruce. She is based in Los Angeles. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. 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. I first got this app and the card for my tax refund. Tap "Front" and take a photo of the front of the check. Cards issued pursuant to license by Mastercard. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. 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. You can customize goals, start saving, and begin tracking your progress. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. There are limits on the total amount you can transfer and how often you can request transfers. A qualifying expected tax refund and e-filing are required. Have funds and absolutely NO access to them. 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. No one can help me or give me information. All Rights Reserved. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. 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. 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. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. 2023 Bankrate, LLC. See Spending Account Agreement for details. No monthly fees, no sign-up fees, no minimum balance requirement. I get a call center in a foreign country.. Philippines !! It is not an extension of credit; it is a courtesy exercised at our discretion. A separate agreement is required for all Tax Audit & Notice Services. Enrollment restrictions apply. For more information, see the developers privacy policy. 5 Credit score is FICOScore 8 based on Experian data. Your wireless carrier may charge a fee for text messaging or data usage. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Took 1 week to get my money back. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Negative balances are limited to $20 and must be repaid within 30 days. If you have a high account balance, you also may want to consider other options. Learn about how Spruce can help you keep your data and funds safe. . Minimum monthly payments apply. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. Create personalized saving goals and round up your purchases. 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. 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. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. Conditions apply. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. * Offer from H&R Block. H&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. Get help using Spruce online banking services. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 00), using the mySpruce app, or by visiting the Spruce kiosk at one of our partner locations. H&R Block does not provide immigration services. H&R Block is not a bank. 5 Stars, 4.25 Umm. No sign-up fees. . Bank products by Pathward, N.A., Member FDIC. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. ~ - Personalized Saving Goals. 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. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. Message and data rates may apply. Additional time commitments outside of class, including homework, will vary by student. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. Conditions apply. Brian Martucci writes about credit cards, banking, insurance, travel, and more. It gets worse from there.. Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Spruce fintech platform is built by H&R Block, which is not a bank. $50 will be deposited within 14 business days after completing all requirements. 0 Explore Spruce Emerald Savings Once your account is created, you'll be logged-in to this account. Spruce Accounts may not be closed or restricted at payout. See Spruce Rewards powered by Dosh Terms for details. Do your checking and savings account help you manage your money as efficiently as youd like? There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. Pay yourself when you spend and round up to the nearest dollar. Spruce fintech platform is built by H&R Block, which is not a bank. 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? (member FDIC). 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. Receive your federal refund up to 5 days early with Spruce. To do this, many or all of the products featured here may be from our partners. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. February 03, 2022, 4:31 p.m. EST 6 Min Read. Bank products and services are offered by Pathward, N.A. Consult an attorney for legal advice. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. All tax situations are different. 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 ?? 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. Negative balances are limited to $20 and must be repaid within 30 days. 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. 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. State e-file not available in NH. . Discover money tips & financial resources. Saving goals. A Power of Attorney may be required for some Tax Audit & Notice Services. All deposit accounts through Pathward are FDIC insured. An ITIN is an identification number issued by the U.S. government for tax reporting only. 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 . With Spruce, you can receive your federal tax refund up to 5 days early. A qualifying expected tax refund and e-filing are required. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Spruce is a mobile banking app for people who want to be better with money. Make sure you have some later too. Literally. The perks include automatic cash back and early direct deposit. $20 bonus if you meet the requirements and open an account before April 20, 2022. See how Spruce makes security a top priority. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. The one disadvantage to this account is you won't earn any interest. Negative balances are limited to . To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Its accounts come with several special perks like cash-back rewards and early direct deposit. Spruce users can access more than 55,000 ATMs nationwide without fees. HOW WHEN I NEVER GOT IT!!! Money deposited in your account will be safe. Get your paycheck up to 2 days early with direct deposit. Member FDIC. Cash back will be deposited in your Savings Account. Simple steps, easy tools, and help if you need it. State e-file available for $19.95. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. 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. Additional fees and restrictions may apply. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Thank you! And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Thanks for your feedback! 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. 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. Spruce is a financial technology platform built by H&R Block, which is not a bank. See www.SpruceMoney.com/fees for details. 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. Emergency fund? Get started today See all features Transfer funds: If you have a funding account, be ready to provide that information. All three banking platforms require no minimum opening, deposit, or monthly fees. Interest will be compounded and credited quarterly. All tax situations are different. Copyright 2021-2023 HRB Digital LLC. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Tap "Deposit checks" and choose the account where you want your deposit to go. Justuseapp Safety Score for Spruce Is 29.7/100. *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. You can sign up online or through mobile. Member FDIC, provides the financial know-how that many Americans urgently need. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Millions of people use H&R Block to prepare and file their tax returns every year. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. See Spruce Rewards powered by Dosh Terms for details. White Collar criminals. Supporting Identification Documents must be original or copies certified by the issuing agency. (member FDIC). 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.