Earn cash back when you spend at select retailers. You may prefer Spruce to the other banking platforms if you'd like to get cash back on some purchases. With the Spruce mobile banking app on your phone, you have control of your finances on-the-go, and the tools you need to be good with money. 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 . 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. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. We believe in a future with equitable access to easy and affordable banking. Great news! H&R Block does not provide immigration services. 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. An ITIN is an identification number issued by the U.S. government for tax reporting only. Sophia Acevedo is a banking reporter at Insider. 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). More information is available at sprucemoney.com. HRB Tax Group, Inc. 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. See Spruce Rewards powered by Dosh Terms for details. 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. Additional information can be found by visiting www.metafinancialgroup.com. You can download the app for iOS and Android. 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. 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). Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. So Im a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank. May be modified or discontinued at any time. E-file fees do not apply to NY state returns. Get the latest on H&R Block news directly to your inbox. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. It is a discretionary courtesy, not an extension of credit. They say it works with PayPal, cashapp, venmo etc..and it doesn't. See Spruce Rewards powered by Dosh Terms for details. Negative balances are limited to . Update: HRBlock called me finally and kinda fixed the situation but not entirely. H&R Block is not a bank. Were sorry for the issue you encountered with Spruce, and wed like to help. 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. Additional fees apply for tax expert support. Saving goals. E-file fees do not apply to NY state returns. We connect to your payroll provider, and you choose how much you'd like to deposit into Spruce each time you get paid.The next feature is the Watchlist, a quick and easy way to track your month-to-date spending by category. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Let a professional handle your small business books. 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. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. CAA service not available at all locations. You can also see up financial goals through their different savings features. Fees apply to Emerald Card bill pay service. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. The perks include automatic cash back and early direct deposit. Theyre ridiculous and customer service is awful. I was at least able to get access to the money to pull it all off. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Spruce has no monthly fees, no sign-up fees, no overdraf. Never even asked for this and here I am with no insight on when Ill be able to access the money. Additional fees may apply. 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.. All tax situations are different. Online & Mobile Banking App | American National Bank of Texas - ANBTX Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. You can set up individual financial goals through the account and evaluate them through charts that track your progress. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. 4 Early access to funds depends on the timing of the payers submission of the payment. OPEN AN ACCOUNT Table of Contents What Is Spruce? MetaBank has a B rating because it has 775 complaints filed against the business. transactions, or (2) that is capable of conducting Mobile Banking transactions by using other protocols we may choose to permit (e.g., Wireless Application Protocol (WAP) or text (SMS) messaging). The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. HOW WHEN I NEVER GOT IT!!! 2 Other fees apply for certain uses of the Spruce debit card and accounts. 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? Payroll services and support to keep you compliant. Spruces optional Round Up feature can help you reach your savings goals even faster. 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. Personal state programs are $39.95 each (state e-file available for $19.95). Additional information can be found by visiting www.metafinancialgroup.com. A qualifying expected tax refund and e-filing are required. A qualifying expected tax refund and e-filing are required. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. 2 Get a $50 bonus when you receive qualifying direct deposits. Make sure you have some later too. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. See, Important Terms, Conditions and Limitations apply. Data privacy and security practices may vary based on your use, region, and age. See Spending Account Agreement for details. Form your business and you could get potential tax savings. Personal state programs are $39.95 each (state e-file available for $19.95). Spruce is a mobile banking platform built and backed by H&R Block. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. US mobile banking app Spruce launches powered by SoFi Technologies H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Spruce Banking Promotions: $20 Direct Deposit Bonus (Nationwide) - Ends 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. Bank products by Pathward, N.A., Member FDIC. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Minimum monthly payments apply. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Wylie, Texas branches and ATMs | Chase Bank The student will be required to return all course materials. If A Deposit Is Pending, Can I Use The Money? - Be The Budget What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? The Spruce mobile banking app can be downloaded in app stores. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. Additional training or testing may be required in CA, OR, and other states. All Rights Reserved. You are responsible for tax treatment of funds. Reach him on Twitter, Open eligible new Spruce accounts between 1/1/23 and 6/30/23, Receive $200 in qualifying direct deposits within 45 days of opening, Qualifying direct deposits are ACH credits, including direct deposits but excluding tax refunds, Nonqualifying deposits include internal transfers, external account transfers into Spruce, cash transfers, and mobile check deposits (including paycheck deposits), Receive $200 in cumulative qualifying direct deposits in your Spending account from an employer, payroll, or government benefits provider during a 35-day period, After opting in, you must continue to receive $200 or more in cumulative qualifying direct deposits every month, You must pay back any Courtesy Coverage overdraft within 30 days, Name the goal (the better to track it in the app), Upload a photo to make your goal easier to remember, Set up optional automatic transfers so you dont have to manually transfer funds from your Spending account to your Savings account, Track your progress in the app, which shows the amount left to save. 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. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . 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. State e-file available for $19.95. Spruce is a mobile banking app for people who want to be better with money. Accounts may be opened through the Spruce app and on the Spruce website. When you use Spruce, its easy to set and monitor your progress toward financial goals. I log in, email, password, and then a screen says nice let's set up your account. Theyll close the account but itll take longer than 5 business days to process the closure and send a check. Special cannot be part of TSB CD laddering package. Amended tax returns not included in flat fees. # Spruce Rewards powered by Dosh. Spruce is a financial technology platform built by H&R Block, which is not a bank. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Once the transaction settles, youll receive the difference in your Savings account. Transfer funds: If you have a funding account, be ready to provide that information. Provide basic information: Be prepared to provide your email address, name, and phone number. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Mobile Banking Services Agreement 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. Not safe, not secure and no one can really help you. Spruce - Mobile banking - Apps on Google Play No luck, it's pulling the exact same thing. 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. File yourself or with a small business certified tax professional. 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. We have you on our list and we promise to only send you the good stuff. Audit services only available at participating offices. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Cash-back rewards are provided by Dosh. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Are you a journalist or member of the media with a question or request? Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Read our editorial standards. You'll want to look elsewhere for earning interest on your account, though. - Round Up. All Rights Reserved. Spruce fintech platform is built by H&R Block, which is not a bank. HRB Maine License No. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. E-file fees do not apply to NY state returns. Other restrictions apply; terms and conditions apply. 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 ?? Its your credit make sure youre in charge. 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. I also had to call 4 different times because their were multiple charges for 1 item bought. 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. Early access depends on when payment is submitted. See. All Rights Reserved. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . Learn about how Spruce can help you keep your data and funds safe. Line balance must be paid down to zero by February 15 each year. The Spruce mobile banking app can be downloaded in app stores. Have funds and absolutely NO access to them. 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. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. 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. The developer provided this information and may update it over time. It is not an extension of credit; it is a courtesy exercised at our discretion. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. How long does it take spruce to transfer money? They tell me they can see the account and all my info matches but I have no access to my money. Having an ITIN does not change your immigration status. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. of I first got this app and the card for my tax refund. E-file fees do not apply to NY state returns. 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. Limitations apply. A mobile banking app for people who want to make the most of their refund. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. We're back with some exciting additions and updates to Spruce! Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. The Spruce Spending Account is a solid free account. 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. Bank products by Pathward, N.A., Member FDIC. 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 earned by qualifying purchases will be deposited in the Spruce Savings Account. 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. 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. Most state programs available in January; software release dates vary by state. Thank you! 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. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. H&R Block Maine License Number: FRA2. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Consult an attorney for legal advice. Void where prohibited. You also have the chance to get your federal tax refund up to five days early. As the pandemic continues, and related economic uncertainty has highlighted the value of simple, easy-to-use spending and savings tools, Spruce, built by H&R Block with banking products powered by MetaBank, N.A. 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. Consult an attorney for legal advice. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. 3 There is no fee to withdraw money at Allpoint ATMs. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. 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 Mobile Banking Platform | H&R Block Newsroom . 2022 HRB Tax Group, Inc. 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 separate agreement is required for all Tax Audit & Notice Services. It is not an extension of credit; it is a courtesy exercised at the banks discretion. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. See Spending Account Agreement for details. With Spruce, you'll open checking and savings accounts. Spruce - Mobile banking is quiet safe to use but use with caution. See Spruce Rewards powered by Dosh Terms for details. Not a 1 star for the app as much as the card and company itself. Spruce - Mobile banking on the App Store Thanks for your feedback! Check the Spruce app for offer availability. 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. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. 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 . H&R Block rolls out mobile banking in time for tax season All Rights Reserved. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. 0 Explore Spruce Emerald Savings Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. See Spruce Rewards powered by Dosh Terms for details. Most state programs available in January; software release dates vary by state. If youre intrigued by what youve learned about Spruce so far, keep reading for more details about its core features and capabilities. 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., Spruce is a Mobile Banking App and includes a Debit Card with Benefits, For decades, our core tax customers have been hard-working Americans who are trying to make ends meet. You can sign up online or through mobile. 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. Get your paycheck up to 2 days early with direct deposit. 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. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. 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. Other restrictions apply; terms and conditions apply. Justuseapp.com. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Spruce isnt perfect; no fintech app is. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. Copyright 2022-2023 HRB Digital LLC. Cash back rewards. Its accounts come with several special perks like cash-back rewards and early direct deposit. If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), well refund the tax prep fee for that return and file an amended return at no additional charge. We compared Spruce Banking to two other online banking platforms: Chime and One. micohn. H&R Block is not a bank. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Cash back offers and amounts may vary by user, merchant location and offer period. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Spruce is a new fintech platform created by the tax preparation company H&R Block . Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. 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 . State e-file available for $19.95. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. CAA service not available at all locations. 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. You can customize goals, start saving, and begin tracking your progress. Online bank vs online banking platform: Which is better for you? Tax returns may be e-filed without applying for this loan. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. You are required to meet government requirements to receive your ITIN. (member FDIC). Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. The one disadvantage to this account is you won't earn any interest. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. It does nothing !! Learn how to keep it safe.