Earn cash back when you spend at select retailers. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. (member FDIC). Any investing information provided on this page is for educational purposes only. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. An ITIN is an identification number issued by the U.S. government for tax reporting only. micohn. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. This doesnt influence our evaluations or reviews. * Get started See bonus details Spruce fintech platform is built by H&R Block, which is not a bank. Get your paycheck up to 2 days early with direct deposit. This is an optional tax refund-related loan from Pathward, N.A. 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. No monthly fees, no sign-up fees, no minimum balance requirement. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. I downloaded the app and applied for account. Spruce Mobile Banking Platform | H&R Block Newsroom Spruce also doesnt charge foreign transaction fees. The developer provided this information and may update it over time. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). What Does It Offer? Were sorry for the issue you encountered with Spruce, and wed like to help. 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). And the lady I spoke with, didnt even have the ability to close down my account ?!?! Once registered, you will be able to add money to your card through direct deposit, linking your Spruce card to your bank account (for a fee of $3. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. We believe in a future with equitable access to easy and affordable banking. This is an optional tax refund-related loan from Pathward, N.A. Supporting Identification Documents must be original or copies certified by the issuing agency. 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. See Spending Account Agreement for details. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. Whatever youre saving for, set personalized goals, start adding money, and track your progress. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Spruce Banking Promotions: $20 Direct Deposit Bonus (Nationwide) - Ends BIG MISTAKE !!! 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. Bank products by Pathward, N.A., Member FDIC. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. LearnMore. Void where prohibited. Requires opt in and $200 in qualifying deposits over prior 35-day period. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. 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. See www.SpruceMoney.com/feesfor details. Spruce is a financial technology platform built by H&R Block, which is not a bank. Visit the resource center for money tips and financial knowledge. References to products, offers, and rates from third party sites often change. A mobile banking app for people who want to make the most of their refund. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. 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. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. This means their mobile app does NOT sync with your phone or know who you are !!! If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. If your employer issues paper paychecks, you receive checks for rebates . US mobile banking app Spruce launches powered by SoFi Technologies All tax situations are different. See, Important Terms, Conditions and Limitations apply. 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. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. 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. Fees apply. No minimum balance. You have it. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. See your. 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. No monthly fees. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. For more information, see the developers privacy policy. Most personal state programs available in January; release dates vary by state. Read our editorial standards. Spruce fintech platform is built by H&R Block, which is not a bank. 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. Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. Description of benefits and details at. out However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. With Spruce, you can receive your federal tax refund up to 5 days early. 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. 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. 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 Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. DO NOT Sell My Personal Information. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. State restrictions may apply. When you use Spruce, it's easy to set and monitor your progress toward financial goals. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Saving goals. - Credit Score. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. Is this a joke ?? Emerald Card Retail Reload Providers may charge a convenience fee. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Personal state programs are $39.95 each (state e-file available for $19.95). Bank products by Pathward, N.A., Member FDIC. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Direct Deposit Required: Yes Refresh your finances with Spruce, a mobile banking app built by H&R Block. They say it works with PayPal, cashapp, venmo etc..and it doesn't. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Valid at participating locations only. . 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. Tap "Front" and take a photo of the front of the check. You also have the chance to get your federal tax refund up to five days early. Sophia Acevedo is a banking reporter at Insider. 0 Explore Spruce Emerald Savings H&R Block Maine License Number: FRA2. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. Spruce has no monthly fees, no sign-up fees, no overdraf. Additional time commitments outside of class, including homework, will vary by student. Spruce Banking Review: Banking Platform, Cash Back Rewards 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. Additional fees apply for tax expert support. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Line balance must be paid down to zero by February 15 each year. See www.SpruceMoney.com/fees for details. Spruce isnt perfect; no fintech app is. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice. OBTP#B13696. 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. 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. 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. The Spruce mobile banking app can be downloaded in app stores. Additional information can be found by visiting www.metafinancialgroup.com. Additional qualifications may be required. Provide basic information: Be prepared to provide your email address, name, and phone number. Fees for other optional products or product features may apply. Check the app for offers. Additional fees apply for tax expert support. Mobile Banking for People Who Want to Be Good with Money | Spruce Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. How to Deposit a Check Online | Chase Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). 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. We believe in a future with equitable access to easy and affordable banking. No sign-up 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. Refund claims must be made during the calendar year in which the return was prepared. Spruce - Mobile banking - Apps on Google Play *Go to disclaimer for more details. MetaBank has a B rating because it has 775 complaints filed against the business. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Get location hours, directions, customer service numbers and available banking services. You'll want to look elsewhere for earning interest on your account, though. Spruce fintech platform is built by H&R Block, which is not a bank. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Message and data rates may apply. All tax situations are different. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Transfer funds: If you have a funding account, be ready to provide that information. 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. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Tax Audit & Notice Services include tax advice only. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early 1, and earn cash back rewards at select retailers. Member FDIC, provides the financial know-how that many Americans urgently need. Find a Chase branch and ATM in Wylie, Texas. You can customize goals, start saving, and begin tracking your progress. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. It is a discretionary courtesy, not an extension of credit. Most personal state programs available in January; release dates vary by state. Additional fees and restrictions may apply. Its like its disabled ?? File yourself or with a small business certified tax professional. File yourself or with a small business certified tax professional. State e-file not available in NH. 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. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Tax returns may be e-filed without applying for this loan. Take a photo of both the front and back of the check (make sure to . 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. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? To do this, many or all of the products featured here may be from our partners. CAA service not available at all locations. There are limits on the total amount you can transfer and how often you can request transfers. Original supporting documentation for dependents must be included in the application. See, Important Terms, Conditions and Limitations apply. 2022 HRB Tax Group, Inc. 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. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. 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. *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. HRB Tax Group, Inc. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. A qualifying expected tax refund and e-filing are required. Year-round access may require an Emerald Savingsaccount. At The College Investor, we want to help you navigate your finances. 11 Best Check-Cashing Apps in 2023 - Instantly + Online - CreditDonkey (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. Choosing between these three platforms will likely hinge on what you prioritize in your banking experience. Member FDIC, provides the financial know-how that many Americans urgently need.