FICOis a trademark of Fair Isaac Corporation. Spruce fintech platform is built by H&R Block, which is not a bank. 3 There is no fee to withdraw money at Allpoint ATMs. Once youre in the mobile app, if you try clicking on security notifications to choose how youd like your security set up, it doesnt do anything ? You can customize goals, start saving, and begin tracking your progress. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. There's also a fee if you go inside a another bank and withdraw cash with a teller. There are more than 10,000 retailers that offer rewards. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. 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 . Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. 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. 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. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. 5 Stars. 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. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. A Power of Attorney may be required for some Tax Audit & Notice Services. A Power of Attorney may be required for some Tax Audit & Notice Services. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Void where prohibited. Copyright 2022-2023 HRB Digital LLC. State restrictions may apply. HRB Tax Group, Inc. Online bank vs online banking platform: Which is better for you? Payroll services and support to keep you compliant. 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. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. No sign-up fees. 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 get a call center in a foreign country.. Philippines !! 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. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Our opinions are our own. Minimum balance of $5,000 required to open account and obtain the APY. All deposit accounts through Pathward are FDIC insured. Bank products and services are offered by Pathward, N.A. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. All Rights Reserved. II. - Get your Federal Refund Early! Find a Chase branch and ATM in Wylie, Texas. This means their mobile app does NOT sync with your phone or know who you are !!! Bank deposit accounts, such as checking and . Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. 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. They had to activate the card themselves and set the pin number so they had my pin and all my info. We believe in a future with equitable access to easy and affordable banking. Not safe, not secure and no one can really help you. Your wireless carrier may charge a fee for text messaging or data usage. Check the Spruce app for offer availability. Most state programs available in January; software release dates vary by state. Tax Audit & Notice Services include tax advice only. 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. *Go to disclaimer for more details. You can snag your $50 bonus just for receiving qualified direct deposits. Bank products and services are offered by Pathward, N.A. Theyre ridiculous and customer service is awful. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Get your paycheck up to 2 days early with direct deposit. 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. You are responsible for tax treatment of funds. You can set up individual financial goals through the account and evaluate them through charts that track your progress. *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. The Spruce mobile banking app can be downloaded in app stores. Copyright 2021-2023 HRB Digital LLC. Spruce is a mobile banking platform that doesnt come with any monthly fees. Spruce fintech platform is built by H&R Block, which is not a bank. 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.. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Negative balances are limited to $20 and must be repaid within 30 days. State e-file not available in NH. ^ Does not change IRS refund processing speed. Terms and conditions apply; see. February 03, 2022, 4:31 p.m. EST 6 Min Read. 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. We're back with some exciting additions and updates to Spruce! Audit services only available at participating offices. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. 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. Saving goals. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. You don't need to be a client of H&R Block to become part of Spruce. The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Spruce is a mobile banking app for people who want to be better with money. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. 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. 5 Stars, 4.25 out of 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. Refund Transfer is a bank deposit product, not a loan. State restrictions may apply. Spruce also doesnt charge foreign transaction fees. For more information, see the developers privacy policy. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Penalty for early withdrawal. The Spruce Savings Account may be ideal if you're looking for unique savings features. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Refresh your finances with Spruce, a mobile banking app built by H&R Block. 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. HRB Maine License No. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. 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. 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. Additional time commitments outside of class, including homework, will vary by student. 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. 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 !! Your wireless carrier may charge a fee for text messaging or data usage. 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. 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 ?? E-file fees do not apply to NY state returns. Pathward does not charge a fee for this service; please see your bank for details on its fees. Let a professional handle your small business books. It allows you to overdraw your Spending account up to $20 at Spruces sole discretion for debit card purchase transactions, over-the-counter cash withdrawals, and ATM withdrawals. May be changed or discontinued at any time. Audit services only available at participating offices. Once your account is created, you'll be logged-in to this account. Thank you! Copyright 2023 Apple Inc. All rights reserved. Additional time commitments outside of class, including homework, will vary by student. Let us know. 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. Spruce is a new fintech platform created by the tax preparation company H&R Block . Audit services constitute tax advice only. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. Is this a joke ?? Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Minimum monthly payments apply. All tax situations are different. (member FDIC). 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. These are the most notable: No fintech app is perfect. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. 5 Credit score is FICOScore 8 based on Experian data. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Well help you understand the factors that make up your credit score, show how youre doing in each area, and give you tips that could help bring up your score.5Go to disclaimer for more details, Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.6Go to disclaimer for more details. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. The student will be required to return all course materials. 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. However, the Spending and Savings accounts are FDIC insured through Spruce's. Again, Spruce generally makes funds available when it receives payment instructions, which can come up to 2 days ahead of your scheduled payday. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Supporting Identification Documents must be original or copies certified by the issuing agency. 5 Stars, 3.75 Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. The Spruce Spending Account is a solid free account. Additional terms and restrictions apply; See. 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. ; it is not your tax refund. Payroll services and support to keep you compliant. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. Check the Spruce app for offer availability. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Justuseapp Safety Score for Spruce Is 29.7/100. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. # Spruce Rewards powered by Dosh. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Additional fees may apply. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. See www.SpruceMoney.com/feesfor details. Justuseapp.com. 2 Get a $50 bonus when you receive qualifying direct deposits. State e-file available for $19.95. Never even asked for this and here I am with no insight on when Ill be able to access the money. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. No minimum balance. Update: HRBlock called me finally and kinda fixed the situation but not entirely. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Not a 1 star for the app as much as the card and company itself. Spruce is a mobile banking platform built and backed by H&R Block. A qualifying expected tax refund and e-filing are required. You can download the app for iOS and Android. Form your business and you could get potential tax savings. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. 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. Here's how Spruce. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce 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. All deposit accounts through Pathward are FDIC insured. Spruce offers a spending account with a debit card, as well as a connected savings account, to anyone, whether or not they are clients of H&R Block's tax-prep service. Bank products by Pathward, N.A., Member FDIC. LearnMore. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. You can sign up online or through mobile. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. 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. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. Visit the resource center for money tips and financial knowledge. But Spruce does offer early direct deposit for your paycheck if your payer qualifies. 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. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. At which point it takes me right back to the log in screen. Any investing information provided on this page is for educational purposes only. 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. Spruce fintech platform is built by H&R Block, which is not a bank. If you have a high account balance, you also may want to consider other options. As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. 4 Early access to funds depends on the timing of the payers submission of the payment. Thanks for your review! About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Data privacy and security practices may vary based on your use, region, and age. Member FDIC. See Spending Account Agreement for details. H&R Block Maine License Number: FRA2. 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. Member FDIC, provides the financial know-how that many Americans urgently need. Pricing varies by location. Additional terms and restrictions apply; See. 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. What Is A 529 Plan and Where to Open One in Your State, How Much Should You Have In A 529 Plan By Age, How To Use A 529 Plan For Private Elementary And High School. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. Spruce fintech platform is built by H&R Block, which is not a bank. Choosing between these three platforms will likely hinge on what you prioritize in your banking experience. Negative balances are . Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. 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. Limitations apply. 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. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. 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. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. Tax Audit & Notice Services include tax advice only. 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. 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. Cash back offers and amounts may vary by user, merchant location and offer period. There are limits on the total amount you can transfer and how often you can request transfers. The perks include automatic cash back and early direct deposit. Consult your own attorney for legal advice. Offer valid only for 6-Month TSB CD Special. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. # - Direct Deposit. 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. 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. You dont have to activate your offers though.