micohn. So whatever the problem is, it's on y'all's end. She is also a Certified Educator in Personal Finance (CEPF). Fees apply to Emerald Card bill pay service. It is not an extension of credit; it is a courtesy exercised at our discretion. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! We have you on our list and we promise to only send you the good stuff. 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). Having an ITIN does not change your immigration status. Get the latest on H&R Block news directly to your inbox. Below are links to some of her most popular stories: Fee-only vs. commission financial advisor, Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>, Are banks open today? Most state programs available in January; software release dates vary by state. Once your account is created, you'll be logged-in to this account. Consult an attorney for legal advice. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. 2023 Money Crashers, LLC. 1 Spruce Rewards are powered by Dosh. 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. Yes. See your. We also get your email address to automatically create an account for you in our website. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. H&R Block Free Online is for simple returns only. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. 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. Consult your own attorney for legal advice. See Spending Account Agreement for details. 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. If you use your debit card often, these deposits can really add up over time. CAA service not available at all locations. NEW OFFER! 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 . Tax Audit & Notice Services include tax advice only. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. This is an optional tax refund-related loan from Pathward, N.A. It does nothing !! Other restrictions apply; terms and conditions apply. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. * Offer from H&R Block. Data privacy and security practices may vary based on your use, region, and age. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Your goals can be anything you want them to be, from big ones like a down payment on a car or 6-month emergency fund to smaller ones like a new nonstick pan or work outfit. To find out if you may be eligible for a HELOC, . FRA2. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. All tax situations are different. 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. 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 take a closer look at the issue and respond to you directly. (member FDIC). The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. I decided why not and filed my taxes to get my direct deposit into my new spruce account. Year-round access may require an Emerald Savingsaccount. Offer valid only for 6-Month TSB CD Special. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. No monthly fees. State e-file available for $19.95. H&R Block is not a bank. All Rights Reserved. At which point it takes me right back to the log in screen. *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. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Its like its disabled ?? 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. To begin, you will need to register your Spruce account online. Most personal state programs available in January; release dates vary by state. Depends on timing of the IRS's payment file. By clicking Sign up, you agree to receive marketing emails from Insider 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. *Go to disclaimer for more details. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. If you had to think for even a moment about how to answer, you might be ready for a change. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. 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. 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. Umm. Cash back offers and amounts may vary by user, merchant location and offer period. Now put it to work for your future. Bank products and services are offered by Pathward, N.A. No credit check to apply. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. 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. Offers vary by user, merchant location and offer period. 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. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. A Power of Attorney may be required for some Tax Audit & Notice Services. I log in, email, password, and then a screen says nice let's set up your account. You are responsible for tax treatment of funds. 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. Copyright2022-2023 HRB Digital LLC. 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. Whoever is working the IT side of things for this digital product is a grade-A grifter extracting value from the economy without contributing anything to it. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. 2 Get a $50 bonus when you receive qualifying direct deposits. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . 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. Refund claims must be made during the calendar year in which the return was prepared. 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 . H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Additional time commitments outside of class, including homework, will vary by student. 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 !! Year-round access may require an Emerald Savingsaccount. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. . Fees may reduce earnings. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Learn about how Spruce can help you keep your data and funds safe. If your employer issues paper paychecks, you receive checks for rebates . Interest calculated on current balance at day of deposit. - Cash Back. 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. You have it. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Bank products and services are offered by Pathward, N.A. We appreciate it and you for being a part of the Spruce community. 0 Explore Spruce Emerald Savings Read our editorial standards. 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. State restrictions may 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. 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. To do this, many or all of the products featured here may be from our partners. Copyright 2023 Apple Inc. All rights reserved. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. 2nd red flag !! The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. Once the transaction settles, youll receive the difference in your Savings account. Original supporting documentation for dependents must be included in the application. Most state programs available in January; software release dates vary by state. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. There are limits on the total amount you can transfer and how often you can request transfers. 5 Stars. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is 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 is the mobile banking app for you. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider.