An ITIN is an identification number issued by the U.S. government for tax reporting only. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Conditions apply. Bank products and services are offered by Pathward, N.A. Additional information can be found by visiting www.metafinancialgroup.com. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. 5 Stars, 4.25 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. Safety starts with understanding how developers collect and share your data. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Create personalized saving goals and round up your purchases. 2023 Money Crashers, LLC. 5 Stars, 4.25 out of Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. May be changed or discontinued at any time. Get location hours, directions, customer service numbers and available banking services. 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. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. Saving goals. 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. 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. Brian Martucci writes about credit cards, banking, insurance, travel, and more. 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. Spruce is a new fintech platform created by the tax preparation company H&R Block. All Rights Reserved. Once the transaction settles, youll receive the difference in your Savings account. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. 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. The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. 2 Get a $50 bonus when you receive qualifying direct deposits. Spruce is a mobile banking platform built and backed by H&R Block. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. 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. Spruce is a mobile banking app for people who want to be better with money. 5 Stars, 3.75 Refresh your finances with Spruce, a mobile banking app built by H&R Block. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. We're back with some exciting additions and updates to Spruce! Limited time offer at participating locations. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Additional fees and restrictions may apply. Chime is a financial technology company, not a bank. See how Spruce makes security a top priority. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early1Go to disclaimer for more details, and earn cash back rewards at select retailers.0Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. - Cash Back. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Spruce has few fees. Theyre ridiculous and customer service is awful. Copyright 2021-2023 HRB Digital LLC. At the moment, Spruce doesnt offer early deposit for state tax refunds. A separate agreement is required for all Tax Audit & Notice Services. . She is based in Los Angeles. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Consult your own attorney for legal advice. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Make money when you spend money at select retailers. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. 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. You don't need to be a client of H&R Block to become part of Spruce. Editorial Note: . 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. See Spending Account Agreement for details. As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. You can also see up financial goals through their different savings features. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Were sorry to hear about the poor customer service experience you had and wed like to help! See. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. And the lady I spoke with, didnt even have the ability to close down my account ?!?! 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. Spruce is a mobile banking platform that doesnt come with any monthly fees. No minimum balance. Not safe, not secure and no one can really help you. Bill pay, mobile deposit, and multiple transfer options to help you send money quickly and conveniently Personalized support through our Branch network, Live Chat assistants, ITM services and Customer Contact Center Explore your options to see the different features and benefits that come with each account: Evergreen Checking Northwest Checking No minimum balance. Let a professional handle your small business books. (member FDIC). Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. 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. There are more than 10,000 retailers that offer rewards. We compared Spruce Banking to two other online banking platforms: Chime and One. Terms apply to offers listed on this page. Its your credit make sure youre in charge. Additional training or testing may be required in CA, OR, and other states. KANSAS CITY, MO. The student will be required to return all course materials. # - Direct Deposit. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. 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. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Justuseapp.com. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. Well you can add money to spruce but good luck getting any money out of spruce. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Select the account for deposit and enter the check amount. 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. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Not a 1 star for the app as much as the card and company itself. Supporting Identification Documents must be original or copies certified by the issuing agency. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! 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. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. OBTP#B13696. 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. Is this a joke ?? 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. Cash back rewards. 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. Fees may reduce earnings. All tax situations are different. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. The one disadvantage to this account is you won't earn any interest. 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. You dont have to take our word for it (or H&R Blocks). 1 Spruce Rewards are powered by Dosh. 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. *Go to disclaimer for more details, Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers,1Go to disclaimer for more details and get paychecks up to two days early.2Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. out Copyright2022-2023 HRB Digital LLC. Additional fees may apply. Online bank vs online banking platform: Which is better for you? Consult an attorney for legal advice. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. At an office, at home, or both, well do the work. I liked the setup so much I used it to get my paycheck. Let us know. E-file fees do not apply to NY state returns. 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. You don't want to lose it. from the Google Play Store and. Line balance must be paid down to zero by February 15 each year. Cash-back rewards are provided by Dosh. Emerald Card Retail Reload Providers may charge a convenience fee. Pricing varies by location. Amended tax returns not included in flat fees. 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. This is a HUGE security risk and the first red flag !! No sign-up fees. Additional fees apply for tax expert support. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. See your. State e-file not available in NH. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. I was at least able to get access to the money to pull it all off. Read our editorial standards. 2022 HRB Tax Group, Inc. Refund Transfer is a bank deposit product, not a loan. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. All Rights Reserved. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Spruce fintech platform is built by H&R Block, which is not a bank. It does nothing !! Special cannot be part of TSB CD laddering package. It is a discretionary courtesy, not an extension of credit. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. 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. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! 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. H&R Block Free Online is for simple returns only. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. Enrollment restrictions apply. 4 Early access to funds depends on the timing of the payers submission of the payment. HRB Maine License No. Spruce users can access more than 55,000 ATMs nationwide without fees. But the app and site refuse to even allow me to sign up. Spruce - Mobile banking is quiet safe to use but use with caution. Your wireless carrier may charge a fee for text messaging or data usage. FICOis a trademark of Fair Isaac Corporation. *Go to disclaimer for more details. Bank products by Pathward, N.A., Member FDIC. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. No monthly fees. See Spruce Rewards powered by Dosh Terms for details. *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. Youve been warned !! 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. H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. Cards issued pursuant to license by Mastercard. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Additional training or testing may be required in CA, OR, and other states. H&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. 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. If you had to think for even a moment about how to answer, you might be ready for a change. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Pay yourself when you spend and round up to the nearest dollar. Requires opt in and $200 in qualifying deposits over prior 35-day period. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Receive your federal refund up to 5 days early with Spruce. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. No credit check to apply. You can set up individual financial goals through the account and evaluate them through charts that track your progress. Line balance must be paid down to zero by February 15 each year. The student will be required to return all course materials. 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 !! The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. 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? Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early.7Go to disclaimer for more details. All tax situations are different. All deposit accounts through Pathward are FDIC insured. H&R Block is not a bank. Description of benefits and details at. 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. Void where prohibited. H&R Block does not provide immigration services. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Additional fees and restrictions may apply. A mobile banking app for people who want to make the most of their refund. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. Download the app: Spruce is a mobile-friendly platform. Penalty for early withdrawal. You have it. 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. See Spruce Rewards powered by Dosh Terms for details. *Go to disclaimer for more details. With the Spruce mobile banking app on your phone, you have control of your finances on-the-go, and the tools you need to be good with money. DE, HI and VT do not support part-year/nonresident individual forms. This card and service is downright awful. 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. For more information, see the developers privacy policy. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. State e-file not available in NH. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. You are responsible for tax treatment of funds. State e-file available for $19.95. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. A mobile banking app for people who want to make the most of their refund. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. Available only at participating H&R Block offices. You can file your return and receive your refund without applying for a Refund Transfer. Year-round access may require an Emerald Savingsaccount. You also have the chance to get your federal tax refund up to five days early. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Credit score is FICO Score 8 based on Experian data. 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). One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. Get your paycheck up to 2 days early with direct deposit. * - You're Protected With Courtesy Coverage. See, Important Terms, Conditions and Limitations apply. Get the latest tips you need to manage your money delivered to you biweekly. 3 There is no fee to withdraw money at Allpoint ATMs. 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. Offer valid only for 6-Month TSB CD Special. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. Took 1 week to get my money back. Negative balances are limited to $20 and must be repaid within 30 days. Never even asked for this and here I am with no insight on when Ill be able to access the money. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Bank deposit accounts, such as checking and . Spruce is a mobile banking platform that doesn't come with any monthly fees. Pricing varies by location. 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. You may prefer Spruce to the other banking platforms if you'd like to get cash back on some purchases. 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. Enrollment restrictions apply. You are required to meet government requirements to receive your ITIN. 529 Plans: The Ultimate College Savings Plan, Understanding And Using 529A ABLE Accounts, Using A Roth IRA To Save And Pay For College, Student Loan And Financial Aid Programs By State, The Guide To Military And VA Education Benefits, The Best College Scholarship Search Websites, Pell Grants: What They Are And How To Qualify, How To Use A 529 Plan If Your Child Doesnt Go To College, Best Student Loans And Rates In March 2023, 10 Best Private Student Loans Of March 2023, Best Student Loans To Pay For Graduate School, Best Student Loans To Pay For Medical School, Guide To Income Sharing Agreements (ISAs), Best Student Loan Refinance Companies In March 2023, Best Student Loan Refinancing Bonuses And Promotional Offers Of March 2023, Student Loan Forgiveness Programs (The Complete List), The Full List Of Student Loan Forgiveness Programs By State, How To Start Investing In Your Twenties For 22 29 Year Olds, How To Start Investing In Your 30s For 30 39 Year Olds, The Best Traditional And Roth IRA Accounts, The Best Places To Open A Health Savings Account, The Best Self-Directed IRA Providers Of 2023, 20 Best Side Hustles You Can Start Earning With In 2023, 54 Side Hustle Ideas To Make Money Fast In 2023, 100 Ways To Make Money In College In 2023, 5 Quick Money Making Ideas (That Take Less Than 1 Hour), 10 Interesting Ways You Can Make Money Driving, High-Paying Side Gigs That Earn $1,000 or More Per Month, Paid Surveys: Earn Money For Giving Your Opinion Online, 10 Crazy Ways To Make $10,000 Youve Never Heard Of, 40 Best Passive Income Ideas To Build Wealth In 2023, 3 Ways To Make $50,000 Per Year Without Working With Passive Income, How To Become A Real Estate Investor With Just $500, Residual Income: 7 Super Smart Ways to Build It, How To Become A Real Estate Mogul With Only $10,000, 10 Best High Yield Savings Accounts Of March 2023, 10 Best Money Market Accounts Of March 2023, 10 Best Free Checking Accounts In March 2023, 10 Best Business Checking Accounts In March 2023, Best Credit Unions Nationwide Of March 2023, Best College Student Checking Accounts Of March 2023. Credit Repair Explained: Should You Pay For Help?