Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. E-file fees do not apply to NY state returns. Audit services constitute tax advice only. No one can help me or give me information. Cards issued pursuant to license by Mastercard. 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, no sign-up fees, no minimum balance requirement. New car? 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. Spruce is a mobile banking platform that doesn't come with any monthly fees. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. . HRB Maine License No. OBTP#B13696. Limited time offer at participating locations. 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. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. But Spruce does offer early direct deposit for your paycheck if your payer qualifies. 3 There is no fee to withdraw money at Allpoint ATMs. Never even asked for this and here I am with no insight on when Ill be able to access the money. The student will be required to return all course materials. Not a 1 star for the app as much as the card and company itself. Additional time commitments outside of class, including homework, will vary by student. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. Among the dozens of newish fintech platforms I've examined and reviewed over the past year or two, Spruce stands out for its simplicity, usefulness, and transparent fee structure. *Go to disclaimer for more details. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Additional qualifications may be required. 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 . Cash-back rewards are provided by Dosh. All tax situations are different. 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. Minimum monthly payments apply. Transfer funds: If you have a funding account, be ready to provide that information. Conditions apply. You may prefer Spruce to the other banking platforms if you'd like to get cash back on some purchases. Check the app for offers. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. Creating and launching Spruce is a huge milestone for our company as we continue to execute on our transformation and growth strategy, Block Horizons 2025., For decades, our core tax customers have been hard-working Americans who are trying to make ends meet. Get the latest on H&R Block news directly to your inbox. File yourself or with a small business certified tax professional. 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 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. 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. What Is A 529 Plan and Where to Open One in Your State, How Much Should You Have In A 529 Plan By Age, How To Use A 529 Plan For Private Elementary And High School. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. Message and data rates may apply. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? Spruce is the mobile banking app for you. (member FDIC). Additional information can be found by visiting www.metafinancialgroup.com. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Payroll services and support to keep you compliant. Let us know. Should you need such advice, consult a licensed financial or tax advisor. Year-round access may require an Emerald Savingsaccount. Here's how Spruce. Let a professional handle your small business books. State e-file not available in NH. Umm. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. You can file your return and receive your refund without applying for a Refund Transfer. To find out if you may be eligible for a HELOC, . Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Spruce is a mobile banking app for people who want to be better with money. * No monthly fees. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Took 1 week to get my money back. . 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. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. An ITIN is an identification number issued by the U.S. government for tax reporting only. Negative balances are limited to $20 and must be repaid within 30 days. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. 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. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. HOW WHEN I NEVER GOT IT!!! BIG MISTAKE !!! 2022 HRB Tax Group, Inc. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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Credit Repair Explained: Should You Pay For Help? 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. Spruce is a mobile banking app for people who want to be better with money. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. Its your credit make sure youre in charge. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. See Spending Account Agreement for details. May be changed or discontinued at any time. Available only for federal refunds. 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. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. . Void where prohibited. E-file fees do not apply to NY state returns. Tap "Deposit checks" and choose the account where you want your deposit to go. 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. It does nothing !! from the Google Play Store and. 2 Get a $50 bonus when you receive qualifying direct deposits. The Spruce Savings Account may be ideal if you're looking for unique savings features. You are required to meet government requirements to receive your ITIN. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Terms and conditions apply; see. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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. Seriously ?? 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). You are required to meet government requirements to receive your ITIN. 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. If you havent gotten a card from them, they want the card info before sending you another card! H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. micohn. 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. Its like its disabled ?? Offer valid only for 6-Month TSB CD Special. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. 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. H&R Block Maine License Number: FRA2. 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. Accounts may be opened through the Spruce app and on the Spruce website. State restrictions may apply. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. 5 Credit score is FICOScore 8 based on Experian data. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. File yourself or with a small business certified tax professional. Void where prohibited. Refund Transfer is a bank deposit product, not a loan. Audit services only available at participating offices. 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). May be modified or discontinued at any time. Additional training or testing may be required in CA, OR, and other states. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. See www.SpruceMoney.com/fees for details. 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. Download the app: Spruce is a mobile-friendly platform. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. I liked the setup so much I used it to get my paycheck. Enter the deposit amount. A qualifying expected tax refund and e-filing are required. Limit one per customer. Other restrictions apply; terms and conditions apply. 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. All three banking platforms require no minimum opening, deposit, or monthly fees. (member FDIC). You can snag your $50 bonus just for receiving qualified direct deposits. What Does It Offer? Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. Thanks for your review! The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. This card and service is downright awful. 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 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. Limited time offer at participating locations. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Get location hours, directions, customer service numbers and available banking services. Tax returns may be e-filed without applying for this loan. Bank products and services are offered by Pathward, N.A. 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. More information is available at sprucemoney.com. They say it works with PayPal, cashapp, venmo etc..and it doesn't. 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. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. # - Direct Deposit. Void where prohibited. 2023 Bankrate, LLC. 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. Enrollment restrictions apply. I log in, email, password, and then a screen says nice let's set up your account. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. 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. January 20, 2022 08:00 ET State e-file not available in NH. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Additional time commitments outside of class, including homework, will vary by student. Member FDIC, provides the financial know-how that many Americans urgently need. 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. The perks include automatic cash back and early direct deposit. We have you on our list and we promise to only send you the good stuff. Accounts may be opened through the Spruce app and on the Spruce website. Make money when you spend money at select retailers. ~ - Personalized Saving Goals. Spruce isnt perfect; no fintech app is. The developer provided this information and may update it over time. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. Emerald Card Retail Reload Providers may charge a convenience fee. 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. See Spending Account Agreement for details. 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). Line balance must be paid down to zero by February 15 each year. Void where prohibited. 0 Get a $50 bonus when you receive qualifying direct deposits. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. So whatever the problem is, it's on y'all's end. Well help you understand the factors that make up your credit score, show how youre doing in each area, and give you tips that could help bring up your score.5Go to disclaimer for more details, Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.6Go to disclaimer for more details. If you have a high account balance, you also may want to consider other options. Youve been warned !! 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. 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. Copyright 2022-2023 HRB Digital LLC. Get your paycheck up to 2 days early with direct deposit. We appreciate it and you for being a part of the Spruce community. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. There are limits on the total amount you can transfer and how often you can request transfers. Youre welcome to contact our media team about your story. Spruce has some other key benefits. Additional training or testing may be required in CA, OR, and other states. No credit check to apply. KANSAS CITY, MO. Literally. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. She is based in Los Angeles. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Penalty for early withdrawal. However, the Spending and Savings accounts are FDIC insured through Spruce's. Available only at participating H&R Block offices. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Discover money tips & financial resources. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. NEW OFFER! Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. 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. 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. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. You are responsible for tax treatment of funds. Create personalized saving goals and round up your purchases. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). 4 Early access to funds depends on the timing of the payers submission of the payment. The Spruce mobile banking app can be downloaded in app stores. 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 ?? Bank deposit accounts, such as checking and . Tap "Front" and take a photo of the front of the check. I decided why not and filed my taxes to get my direct deposit into my new spruce account. 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. Consult an attorney for legal advice. You're saving it. Bank products by Pathward, N.A., Member FDIC. 2023 Bankrate, LLC. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. All tax situations are different. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. State e-file not available in NH. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Read our editorial standards. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. We're back with some exciting additions and updates to Spruce! 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. MetaBank works to increase financial availability, choice, and opportunity for all. Spruce has no monthly fees, no sign-up fees, no overdraf. Conditions apply. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. 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. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Cash back rewards. 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.