I recently signed up for the spruce account because I file my taxes with H&R Block every single year. 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. E-file fees do not apply to NY state returns. But if youre in the market for a new way to spend and save, its definitely worth a close look. I was at least able to get access to the money to pull it all off. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. 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. 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. Get help using Spruce online banking services. This doesnt influence our evaluations or reviews. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. Enter the deposit amount. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Are you a journalist or member of the media with a question or request? It is not an extension of credit; it is a courtesy exercised at the banks discretion. State e-file not available in NH. Having an ITIN does not change your immigration status. All Rights Reserved. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. They tell me they can see the account and all my info matches but I have no access to my money. Yes. FRA2. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. Additional qualifications may be required. micohn. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. By clicking Sign up, you agree to receive marketing emails from Insider Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. I downloaded the app and applied for account. All tax situations are different. 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 . Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. 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. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . Take a photo of the back of the check. You can snag your $50 bonus just for receiving qualified direct deposits. 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. FICOis a trademark of Fair Isaac Corporation. This means their mobile app does NOT sync with your phone or know who you are !!! Check the Spruce app for offer availability. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. Visit the resource center for money tips and financial knowledge. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. 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. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Refund Transfer is a bank deposit product, not a loan. 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. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. Consult your own attorney for legal advice. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Spruce is a new fintech platform created by the tax preparation company H&R Block. 5 Stars, 3.75 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. Emerald Card Retail Reload Providers may charge a convenience fee. 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. 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. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. 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. - Get your Federal Refund Early! The perks include automatic cash back and early direct deposit. There's also a fee if you go inside a another bank and withdraw cash with a teller. These are the most notable: No fintech app is perfect. 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 ? 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. Terrible service. Create personalized saving goals and round up your purchases. Tap "Deposit checks" and choose the account where you want your deposit to go. 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. 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. 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. I would run from these people. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. . 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 Spruce Savings Account may be ideal if you're looking for unique savings features. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. At which point it takes me right back to the log in screen. How Do I Contact Spruce? 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. 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? Line balance must be paid down to zero by February 15 each year. 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. State e-file not available in NH. Bank products and services are offered by Pathward, N.A. Audit services only available at participating offices. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Endorse your check, then tap "Next". Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. Spruce - Mobile banking is quiet safe to use but use with caution. Tap "Front" and take a photo of the front of the check. Cash back rewards. 2023 Bankrate, LLC. You can download the app for iOS and Android. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Took 1 week to get my money back. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. You can also see up financial goals through their different savings features. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. Spruce has few fees. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. out 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. Special cannot be part of TSB CD laddering package. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. Additional training or testing may be required in CA, OR, and other states. See Spruce Rewards powered by Dosh Terms for details. DO NOT Sell My Personal Information. Update: HRBlock called me finally and kinda fixed the situation but not entirely. Get your paycheck up to 2 days early with direct deposit. The one disadvantage to this account is you won't earn any interest. A separate agreement is required for all Tax Audit & Notice Services. $20 bonus if you meet the requirements and open an account before April 20, 2022. 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). Additional fees and restrictions may apply. Discover money tips & financial resources. 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. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Choosing between these three platforms will likely hinge on what you prioritize in your banking experience. 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. 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. May be modified or discontinued at any time. 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. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Are There Any Fees? The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. Void where prohibited. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Learn how to keep it safe. 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. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. If you havent gotten a card from them, they want the card info before sending you another card! Spruce users can access more than 55,000 ATMs nationwide without fees. Sophia Acevedo is a banking reporter at Insider. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. For more information, see the developers privacy policy. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. * Offer from H&R Block. But Spruce does offer early direct deposit for your paycheck if your payer qualifies. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. All three banking platforms require no minimum opening, deposit, or monthly fees. Having an ITIN does not change your immigration status. Minimum balance of $5,000 required to open account and obtain the APY. Spruce Accounts may not be closed or restricted at payout. 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. Simple steps, easy tools, and help if you need it. 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). 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. 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. Check the Spruce app for offer availability. To qualify for early direct deposit, you must receive at least $200 in cumulative direct deposits from a benefits provider or employer (not your tax refund) within a 35-day qualifying period. 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. Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. File yourself or with a small business certified tax professional. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. Editorial Note: Negative balances are . You can get your federal tax refund up to 5 days early with Spruce, set personalized savings goals and round up your purchases to reach them faster, and get automatic cash back from more than 10,000 participating retailers. See Spending Account Agreement for details. State e-file available for $19.95. I get a call center in a foreign country.. Philippines !! Fees apply. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). Get location hours, directions, customer service numbers and available banking services. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! There are limits on the total amount you can transfer and how often you can request transfers. 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. 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. 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. 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. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. You could receive a $50 bonus and get paid two days early. Bank deposit accounts, such as checking and . Offer from H&R Block. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. # - Direct Deposit. *Go to disclaimer for more details. When you turn on the Round Up feature in your account, Spruce rounds up the value of every purchase and ATM transaction to the next dollar. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. 4 Early access to funds depends on the timing of the payers submission of the payment. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. Spruce fintech platform is built by H&R Block, which is not a bank. Youre welcome to contact our media team about your story. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. Spruce is a mobile banking platform built and backed by H&R Block. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. See Spending Account Agreement for details. File yourself or with a small business certified tax professional. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. No minimum balance. 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. 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. Spruces optional Round Up feature can help you reach your savings goals even faster. Negative balances are limited to . Make sure you have some later too. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. A Power of Attorney may be required for some Tax Audit & Notice Services. You'll want to look elsewhere for earning interest on your account, though.