Fees for other optional products or product features may apply. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. Requires opt in and $200 in qualifying deposits over prior 35-day period. Terms apply to offers listed on this page. Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. Your wireless carrier may charge a fee for text messaging or data usage. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. 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. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. H&R Block Free Online is for simple returns only. All Rights Reserved. See Spending Account Agreement for details. 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. Message and data rates may apply. We compared Spruce Banking to two other online banking platforms: Chime and One. Spruce Mobile Banking by H&R Block: $20 Sign-Up Bonus As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. Visit the resource center for money tips and financial knowledge. Terms and conditions apply; see. 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. | Source: Limit one per customer. May be modified or discontinued at any time. We believe in a future with equitable access to easy and affordable banking. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Chime is a financial technology company, not a bank. Spruce Mobile Banking Platform | H&R Block Newsroom Amended tax returns not included in flat fees. Emerald Card Retail Reload Providers may charge a convenience fee. Let a professional handle your small business books. Terrible service. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. E-file fees do not apply to NY state returns. *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. 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. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. See Spruce Rewards powered by Dosh Terms for details. Mobile Banking Services Agreement HRB Tax Group, Inc. KANSAS CITY, Mo., Jan. 20, 2022 (GLOBE NEWSWIRE) -- Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. I called their toll free number to close down my account since theres NO WAY Im going to trust this company or banking app with my info, let alone my money, and SURPRISE !! Endorse your check, then tap "Next". No monthly fees. Spruce is a financial technology platform built by H&R Block, which is not a bank. Additional terms and restrictions apply; See. And the lady I spoke with, didnt even have the ability to close down my account ?!?! If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. See, Important Terms, Conditions and Limitations apply. 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. Limitations apply. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It gets worse from there.. OPEN AN ACCOUNT Table of Contents What Is Spruce? Sophia Acevedo is a banking reporter at Insider. No minimum balance. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. Tax returns may be e-filed without applying for this loan. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.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. All tax situations are different. Interest calculated on current balance at day of deposit. 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. Spruce is a mobile banking platform built and backed by H&R Block. Payroll services and support to keep you compliant. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! See www.SpruceMoney.com/fees for details. 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. Transfer funds: If you have a funding account, be ready to provide that information. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. Once the transaction settles, youll receive the difference in your Savings account. 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. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. 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. A Power of Attorney may be required for some Tax Audit & Notice Services. File yourself or with a small business certified tax professional. See Spending Account Agreement for details. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. 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. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. 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. 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 CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. BIG MISTAKE !!! Negative balances are limited to $20 and must be repaid within 30 days. 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. Spruce Mobile Banking App | Spruce No minimum balance. I get a call center in a foreign country.. Philippines !! 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 . 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). Access your favorite topics in a personalized feed while you're on the go. Spruce fintech platform is built by H&R Block, which is not a bank. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Financial Services | H&R Block Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Tax returns may be e-filed without applying for this loan. 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. Great news! H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. 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. See. Bank products and services are offered by Pathward, N.A. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Refund Transfer is a bank deposit product, not a loan. 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. Refund Transfer is a bank deposit product, not a loan. of Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. (member FDIC). 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. 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. 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. Additional information can be found by visiting www.metafinancialgroup.com. Line balance must be paid down to zero by February 15 each year. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. 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. Having an ITIN does not change your immigration status. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Make money when you spend money at select retailers. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Update: HRBlock called me finally and kinda fixed the situation but not entirely. The addition of the Spruce offering provides customers with a new mobile banking solution with additional ways to access and manage their money year-round. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, 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. 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. Thank you! Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. * No monthly fees. 1 Spruce Rewards are powered by Dosh. (member FDIC). Check the app for offers. Cash back will be deposited in your Savings Account. H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. An ITIN is an identification number issued by the U.S. government for tax reporting only. Additional qualifications may be required. Editorial Note: Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. 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. Negative balances are limited to $20 and must be repaid within 30 days. Refund claims must be made during the calendar year in which the return was prepared. H&R Block Introduces Spruce Mobile Banking Platform to Help Minimum monthly payments apply. You are responsible for tax treatment of funds. You can file your return and receive your refund without applying for a Refund . Get the latest on H&R Block news directly to your inbox. Spruce fintech platform is built by H&R Block, which is not a bank. Learn about how Spruce can help you keep your data and funds safe. You could receive a $50 bonus and get paid two days early. 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. Limited time offer at participating locations. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 2022 HRB Tax Group, Inc. 0 Explore Spruce Emerald Savings Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. out (member FDIC). If your employer issues paper paychecks, you receive checks for rebates . # - Direct Deposit. Void where prohibited. Spruce is a mobile banking platform built and backed by H&R Block. The following data may be collected and linked to your identity: Privacy practices may vary, for example, based on the features you use or your age. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. No luck, it's pulling the exact same thing.