Bank products by Pathward, N.A., Member FDIC. 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. 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. 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. 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. 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). HOW WHEN I NEVER GOT IT!!! 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. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Fees apply. . H&R Block Maine License Number: FRA2. Great news! Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. FICO is a trademark of Fair Isaac Corporation. 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). Message and data rates may apply. With Spruce, you can receive your federal tax refund up to 5 days early. Cards issued pursuant to license by Mastercard. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Are you a journalist or member of the media with a question or request? Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. . If you havent gotten a card from them, they want the card info before sending you another card! 2023 Bankrate, LLC. No credit check to apply. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. Credit score is FICO Score 8 based on Experian data. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Offer valid only for 6-Month TSB CD Special. Sophia Acevedo is a banking reporter at Insider. - Credit Score. Like most other check-cashing services, there is a free option if you can wait 10 days for your deposit with the option for instant deposit with a modest fee. 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. H&R Block Maine License Number: FRA2. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. You don't need to be a client of H&R Block to become part of Spruce. Available only for federal refunds. No minimum balance. Earn rewards automatically.1Go to disclaimer for more details When you use Spruce, youll get access to rewards when you shop select retailers you know and love. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. I was at least able to get access to the money to pull it all off. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. I liked the setup so much I used it to get my paycheck. Get help using Spruce online banking services. We may have financial relationships with some of the companies mentioned on this website. Void where prohibited. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. 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. 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. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. Line balance must be paid down to zero by February 15 each year. Brian Martucci writes about credit cards, banking, insurance, travel, and more. 5 Stars, 4.25 out of It gets worse from there.. OPEN AN ACCOUNT Table of Contents What Is Spruce? We appreciate it and you for being a part of the Spruce community. May be modified or discontinued at any time. Refund Transfer is a bank deposit product, not a loan. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. See Spending Account Agreement for details. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Well you can add money to spruce but good luck getting any money out of spruce. Were sorry for the issue you encountered with Spruce, and wed like to help. Among the dozens of newish fintech platforms Ive examined and reviewed over the past year or two, Spruce stands out for its simplicity, usefulness, and transparent fee structure. No problems whatsoever.til today. Read our editorial standards. MetaBank works to increase financial availability, choice, and opportunity for all. When you deposit money into your checking or savings account, the money will show as 'pending' until the funds are verified and added to your available balance. MetaBank has a B rating because it has 775 complaints filed against the business. Description of benefits and details at. Select the account for deposit and enter the check amount. The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. It is not an extension of credit; it is a courtesy exercised at the banks discretion. Negative balances are limited to . Not safe, not secure and no one can really help you. 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. We believe in a future with equitable access to easy and affordable banking. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Available only at participating H&R Block offices. H&R Block does not provide immigration services. The Spruce Spending Account is a solid free account. Spruces optional Round Up feature can help you reach your savings goals even faster. You can download the app for iOS and Android. Create personalized saving goals and round up your purchases. Get the latest tips you need to manage your money delivered to you biweekly. 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. 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. All Rights Reserved. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Limit one per customer. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Emerald Advance, When you use an ATM, in addition to the fee charged by the bank, you may be charged an additional fee by the ATM operator. Refresh your finances with Spruce, a mobile banking app built by H&R Block. Get your federal tax refund up to five days early.7Go to disclaimer for more details, Score a $50 bonus when you receive qualifying direct deposits. 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. Other restrictions apply; terms and conditions apply. Let a professional handle your small business books. Additional training or testing may be required in CA, OR, and other states. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. You don't want to lose it. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. 3 There is no fee to withdraw money at Allpoint ATMs. 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. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 2 Other fees apply for certain uses of the Spruce debit card and accounts. # Spruce Rewards powered by Dosh. You are responsible for tax treatment of funds. Money deposited in your account will be safe. Let us know. Spruce is the mobile banking app for you. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! Interest will be compounded and credited quarterly. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. This is a HUGE security risk and the first red flag !! 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. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Available only at participating H&R Block offices. - Round Up. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Simple steps, easy tools, and help if you need it. 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). 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. (Jan. 20, 2022) Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. You can snag your $50 bonus just for receiving qualified direct deposits. Consult an attorney for legal advice. Justuseapp Safety Score for Spruce Is 29.7/100. Pay yourself when you spend and round up to the nearest dollar. (member FDIC). Umm. Enrolled Agents do not provide legal representation; signed Power of Attorney required. 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. DE, HI and VT do not support part-year/nonresident individual forms. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 5 Credit score is FICOScore 8 based on Experian data. Spruce fintech platform is built by H&R Block, which is not a bank. Most state programs available in January; software release dates vary by state. 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. Spruce is a mobile banking platform that doesnt come with any monthly fees. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. 5 Stars. I log in, email, password, and then a screen says nice let's set up your account. Enrollment restrictions apply. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. More information is available at sprucemoney.com. E-file fees do not apply to NY state 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. Additional fees may apply. 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. 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. 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. Additional terms and restrictions apply; See. 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. Fees for other optional products or product features may apply. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. Pathward does not charge a fee for this service; please see your bank for details on its fees. Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. of 2023 Money Crashers, LLC. 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. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. 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 You are required to meet government requirements to receive your ITIN. State e-file not available in NH. ^ Does not change IRS refund processing speed. Member FDIC, provides the financial know-how that many Americans urgently need. Now put it to work for your future. We also get your email address to automatically create an account for you in our website. Spruce is a mobile banking platform built and backed by H&R Block. Bank products and services are offered by Pathward, N.A. Amended tax returns not included in flat fees. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. 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). DO NOT Sell My Personal Information. Valid at participating locations only. 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. 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 three banking platforms require no minimum opening, deposit, or monthly fees. Youve been warned !! These are the most notable: No fintech app is perfect. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. You can customize goals, start saving, and begin tracking your progress. Refund Transfer is a bank deposit product, not a loan. All tax situations are different. 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. Other restrictions apply; terms and conditions apply. At The College Investor, we want to help you navigate your finances. 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. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 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. Bank deposit accounts, such as checking and . H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. Refund claims must be made during the calendar year in which the return was prepared. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. For tax years beginning after 2017, applicants claimed as dependents must also prove U.S. residency unless the applicant is a dependent of U.S. military personnel stationed overseas. This card and service is downright awful. Cash back rewards. All Rights Reserved. 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. You may prefer Spruce to the other banking platforms if you'd like to get cash back on some purchases. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. No minimum balance. You can file your return and receive your refund without applying for a Refund Transfer. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. See www.SpruceMoney.com/fees for details. 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. Pricing varies by location. Have funds and absolutely NO access to them. 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. Spruce also doesnt charge foreign transaction fees. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. 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. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. - Cash Back. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Get location hours, directions, customer service numbers and available banking services. 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. Tap "Deposit checks" and choose the account where you want your deposit to go. Your wireless carrier may charge a fee for text messaging or data usage. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. E-file fees do not apply to NY state returns. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? You have it. 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. A Power of Attorney may be required for some Tax Audit & Notice Services. Endorse your check, then tap "Next". Theyre ridiculous and customer service is awful. CAA service not available at all locations. H&R Block is not a bank. If you are looking for a platform that has been around long enough to work out any issues, If you are looking for a bank with more name recognition and attractive APYs for your savings, consider, Best Checking Accounts for Military Members, Best Bank Accounts To Get Your Tax Refund Or Direct Deposit Early. We believe in a future with equitable access to easy and affordable banking. (member FDIC). State e-file not available in NH. Spruce is a mobile banking platform built and backed by H&R Block. 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. Cash-back rewards are provided by Dosh. 4 Early access to funds depends on the timing of the payers submission of the payment. Spruce users can access more than 55,000 ATMs nationwide without fees. Spruce fintech platform is built by H&R Block, which is not a bank. All deposit accounts through Pathward are FDIC insured. No sign-up fees. State e-file not available in NH. 2nd red flag !! how about NO !! An ITIN is an identification number issued by the U.S. government for tax reporting only. White Collar criminals. February 03, 2022, 4:31 p.m. EST 6 Min Read. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Emerald Card Retail Reload Providers may charge a convenience fee. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. A separate agreement is required for all Tax Audit & Notice Services. 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. Get the latest on H&R Block news directly to your inbox. By clicking Sign up, you agree to receive marketing emails from Insider Limitations apply. Terrible service. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. 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.
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