Member FDIC, provides the financial know-how that many Americans urgently need. To find out if you may be eligible for a HELOC, . 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. 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. It gets worse from there.. 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. But Spruce does offer early direct deposit for your paycheck if your payer qualifies. Spruce is a mobile banking platform built and backed by H&R Block. Message and data rates may apply. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. FRA2. Limited time offer at participating locations. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. Cash back will be deposited in your Savings Account. These are the most notable: No fintech app is perfect. Pricing varies by location. H&R Block is not a bank. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Let us know. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. A mobile banking app for people who want to make the most of their refund. You can sign up online or through mobile. 5 Stars, 4.25 out of Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. Audit services constitute tax advice only. All deposit accounts through Pathward are FDIC insured. 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. The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. Have funds and absolutely NO access to them. 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. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. LearnMore. out Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. 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. Get help using Spruce online banking services. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. If you had to think for even a moment about how to answer, you might be ready for a change. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Additional training or testing may be required in CA, OR, and other states. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. 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. You are responsible for tax treatment of funds. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. I would run from these people. 2022 HRB Tax Group, Inc. State e-file not available in NH. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. 2022 HRB Tax Group, Inc. Valid at participating locations only. See your. Millions of people use H&R Block to prepare and file their tax returns every year. Earn cash back when you spend at select retailers. . See Spending Account Agreement for details. Negative balances are limited to $20 and must be repaid within 30 days. Spruce is a mobile banking app for people who want to be better with money. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. Cash-back rewards are provided by Dosh. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. $20 bonus if you meet the requirements and open an account before April 20, 2022. Fees apply to Emerald Card bill pay service. Offers vary by user, merchant location and offer period. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. Spruce has some other key benefits. At an office, at home, or both, well do the work. 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. Choosing between these three platforms will likely hinge on what you prioritize in your banking experience. CAA service not available at all locations. Should you need such advice, consult a licensed financial or tax advisor. This card and service is downright awful. Minimum monthly payments apply. 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 automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. You are required to meet government requirements to receive your ITIN. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. We're back with some exciting additions and updates to Spruce! Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities. Spruce was built by US tax preparation firm H&R Block The app, launched on 20 January 2022, includes a spending account with a debit card, a connected savings account that allows for specific budgeting goals, early paycheque availability and overdraft protection. MetaBank works to increase financial availability, choice, and opportunity for all. No one can help me or give me information. out 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. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. See, Important Terms, Conditions and Limitations apply. If your employer issues paper paychecks, you receive checks for rebates . 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). Spruce has few fees. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. E-file fees do not apply to NY state returns. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. 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. 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. But if youre in the market for a new way to spend and save, its definitely worth a close look. Spruce fintech platform is built by H&R Block, which is not a bank. Justuseapp Safety Score for Spruce Is 29.7/100. Spruce is a financial technology platform built by H&R Block, which is not a bank. Its like its disabled ?? 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. II. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. E-file fees do not apply to NY state returns. This means their mobile app does NOT sync with your phone or know who you are !!! Most personal state programs available in January; release dates vary by state. More information is available at sprucemoney.com. 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. Youve been warned !! The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. 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. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). 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. ; it is not your tax refund. H&R Block does not provide immigration services. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. 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Credit Repair Explained: Should You Pay For Help? She is based in Los Angeles. You can use these tools to build (or rebuild) your credit on your own terms. We believe in a future with equitable access to easy and affordable banking. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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. Cash back rewards. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Negative balances are limited to $20 and must be repaid within 30 days. Line balance must be paid down to zero by February 15 each year. Consult an attorney for legal advice. The perks include automatic cash back and early direct deposit. All three banking platforms require no minimum opening, deposit, or monthly fees. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. 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 . White Collar criminals. 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.. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Select the account for deposit and enter the check amount. With Spruce, you can receive your federal tax refund up to 5 days early. Bank products by Pathward, N.A., Member FDIC. We may have financial relationships with some of the companies mentioned on this website. OBTP#B13696. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. Year-round access may require an Emerald Savingsaccount. MetaBank works to increase financial availability, choice, and opportunity for all. Check the Spruce app for offer availability. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. Access your favorite topics in a personalized feed while you're on the go. Available only for federal refunds. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. 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. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Fees for other optional products or product features may apply. Bank products and services are offered by Pathward, N.A. Now put it to work for your future. You don't need to be a client of H&R Block to become part of Spruce. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Took 1 week to get my money back. 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. All tax situations are different. OBTP#B13696. Read our editorial standards. 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. Get the latest tips you need to manage your money delivered to you biweekly. Limitations apply. 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. Get location hours, directions, customer service numbers and available banking services. BIG MISTAKE !!! Its accounts come with several special perks like cash-back rewards and early direct deposit. 1 Spruce Rewards are powered by Dosh. Saving goals. By clicking Sign up, you agree to receive marketing emails from Insider You can file your return and receive your refund without applying for a Refund Transfer. I liked the setup so much I used it to get my paycheck. They had to activate the card themselves and set the pin number so they had my pin and all my info. Bank products by Pathward, N.A., Member FDIC. | Source: Thank you! You have to wait 5 days for someone to reach out to you but I told them Id contact my attorney for holding funds hostage and they called right away. Negative balances are . Transfer funds: If you have a funding account, be ready to provide that information. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Your wireless carrier may charge a fee for text messaging or data usage. Spruce is a mobile banking platform that doesn't come with any monthly fees.