2022 HRB Tax Group, Inc. You can download the app for iOS and Android. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Receive your federal tax refund up to 5 days early, ** get paychecks up to two days early, 1 and earn automatic cash back rewards at select retailers. Read our editorial standards. No one can help me or give me information. 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. With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Line balance must be paid down to zero by February 15 each year. *Go to disclaimer for more details. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. Pricing varies by location. $50 will be deposited within 14 business days after completing all requirements. 1 Spruce Rewards are powered by Dosh. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Spruce has no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs4Go to disclaimer for more details all around the country. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. *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. 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. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. MetaBank has a B rating because it has 775 complaints filed against the business. You can file your return and receive your refund without applying for a Refund . 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. Take a photo of both the front and back of the check (make sure to . Its accounts come with several special perks like cash-back rewards and early direct deposit. Spruce fintech platform is built by H&R Block, which is not a bank. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Bank products by Pathward, N.A., Member FDIC. Bank products by Pathward, N.A., Member FDIC. 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. 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. 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 . Data privacy and security practices may vary based on your use, region, and age. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Is this a joke ?? Signing up for Spruce was easy, learning my way around the app was quite easy as well. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Bank products and services are offered by Pathward, N.A. BIG MISTAKE !!! You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. Safety starts with understanding how developers collect and share your data. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. See, Important Terms, Conditions and Limitations apply. Brian Martucci writes about credit cards, banking, insurance, travel, and more. Additional fees apply for tax expert support. 3 There is no fee to withdraw money at Allpoint ATMs. Spruce fintech platform is built by H&R Block, which is not a bank. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. Spruce is a mobile banking platform that doesnt come with any monthly fees. DE, HI and VT do not support part-year/nonresident individual forms. Tap "Front" and take a photo of the front of the check. Limitations apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. May be changed or discontinued at any time. 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. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The one disadvantage to this account is you won't earn any interest. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. I also had to call 4 different times because their were multiple charges for 1 item bought. 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. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Bank products and services are offered by Pathward, N.A. (member FDIC). Negative balances are . You can file your return and receive your refund without applying for a Refund Transfer. See your. 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. It is not an extension of credit; it is a courtesy exercised at our discretion. Were sorry for the issue you encountered with Spruce, and wed like to help. 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 . Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Message and data rates may apply. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. But Spruce does offer early direct deposit for your paycheck if your payer qualifies. Copyright 2022-2023 HRB Digital LLC. Payroll services and support to keep you compliant. Copyright2022-2023 HRB Digital LLC. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. HRB Maine License No. Audit services only available at participating offices. 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. Provide basic information: Be prepared to provide your email address, name, and phone number. 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. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Simple steps, easy tools, and help if you need it. 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. 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). 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. OBTP#B13696. There's also a fee if you go inside a another bank and withdraw cash with a teller. Form your business and you could get potential tax savings. Get your paycheck up to 2 days early with direct deposit. *Go to disclaimer for more details. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. H&R Block does not provide immigration services. Amended tax returns not included in flat fees. What Does It Offer? Fees apply to Emerald Card bill pay service. Minimum monthly payments apply. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). 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. I first got this app and the card for my tax refund. 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. Spruce fintech platform is built by H&R Block, which is not a bank. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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 Available only for federal refunds. Most state programs available in January; software release dates vary by state. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. Spruce is a new fintech platform created by the tax preparation company H&R Block. 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. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Great news! Check the app for offers. There are limits on the total amount you can transfer and how often you can request transfers. . All Rights Reserved. Simple steps, easy tools, and help if you need it. 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. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. I get a call center in a foreign country.. Philippines !! Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. 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. Learn about how Spruce can help you keep your data and funds safe. See Spending Account Agreement for details. Its your credit make sure youre in charge. 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. I decided why not and filed my taxes to get my direct deposit into my new spruce account. Stay on top of your score, get score insights, and better understand your credit score. Member FDIC. 5 Stars, 4.25 out of . Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Download the app: Spruce is a mobile-friendly platform. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. . NEW OFFER! FICOis a trademark of Fair Isaac Corporation. Audit services constitute tax advice only. 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? State e-file available for $19.95. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. Whatever youre saving for, set personalized goals, start adding money, and track your progress. How Do I Contact Spruce? Spruce fintech platform is built by H&R Block, which is not a bank. See Spruce Rewards powered by Dosh Terms for details. Enter the deposit amount. 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. 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. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. There are more than 10,000 retailers that offer rewards. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Fees may reduce earnings. * Offer from H&R Block. Spruce isnt totally fee-free, however. Spruces optional Round Up feature can help you reach your savings goals even faster. Update: HRBlock called me finally and kinda fixed the situation but not entirely. See www.SpruceMoney.com/feesfor details. A mobile banking app for people who want to make the most of their refund. The developer provided this information and may update it over time. All deposit accounts through Pathward are FDIC insured. Transfer funds: If you have a funding account, be ready to provide that information. May be modified or discontinued at any time. Thanks for your review! 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. (member FDIC). MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Refund Transfer is a bank deposit product, not a loan. Spruce is a financial technology platform built by H&R Block, which is not a bank. Through Dosh, its rewards partner, Spruce teams with over 10,000 retail locations, including many merchants grocery stores, restaurants, hotels you may already spend with. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. 2023 Bankrate, LLC. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. 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 isnt perfect; no fintech app is. 2nd red flag !! Your wireless carrier may charge a fee for text messaging or data usage. No problems whatsoever.til today. Refund claims must be made during the calendar year in which the return was prepared. *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. . You dont have to activate your offers though. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. I would run from these people. 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. An ITIN is an identification number issued by the U.S. government for tax reporting only. When you use Spruce, it's easy to set and monitor your progress toward financial goals. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. 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. Cash-back rewards are provided by Dosh. . To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. If you use your debit card often, these deposits can really add up over time. 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. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Pay yourself when you spend and round up to the nearest dollar. 5 Credit score is FICOScore 8 based on Experian data. Most personal state programs available in January; release dates vary by state. Discover money tips & financial resources. # Spruce Rewards powered by Dosh. Money deposited in your account will be safe. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. By clicking Sign up, you agree to receive marketing emails from Insider 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. You don't need to be a client of H&R Block to become part of Spruce. Sophia Acevedo is a banking reporter at Insider. Year-round access may require an Emerald Savingsaccount. Additional training or testing may be required in CA, OR, and other states. I liked the setup so much I used it to get my paycheck. Member FDIC, provides the financial know-how that many Americans urgently need. Additional information can be found by visiting www.metafinancialgroup.com. 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. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. 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. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. out 5 Credit score is FICOScore 8 based on Experian data. Are There Any Fees? LearnMore. *Go to disclaimer for more details. State restrictions may apply. 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. 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.
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