No sign-up fees. February 03, 2022, 4:31 p.m. EST 6 Min Read. An ITIN is an identification number issued by the U.S. government for tax reporting only. *Go to disclaimer for more details. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. 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. 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. All Rights Reserved. Member FDIC, provides the financial know-how that many Americans urgently need. See your. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. If you havent gotten a card from them, they want the card info before sending you another card! Theyre ridiculous and customer service is awful. Tap "Deposit checks" and choose the account where you want your deposit to go. 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. Penalty for early withdrawal. 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. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Access your favorite topics in a personalized feed while you're on the go. January 20, 2022 08:00 ET No monthly fees. 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. Interest will be compounded and credited quarterly. 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. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Thank you! The student will be required to return all course materials. Enrolled Agents do not provide legal representation; signed Power of Attorney required. 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. Personal state programs are $39.95 each (state e-file available for $19.95). 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. All tax situations are different. 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. 2nd red flag !! Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. Offers vary by user, merchant location and offer period. From paying for school to buying a car, Spruce also has options to set up automatic transfers towards savings. Millions of people use H&R Block to prepare and file their tax returns every year. Minimum balance of $5,000 required to open account and obtain the APY. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . 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. Seriously ?? 1 Spruce Rewards are powered by Dosh. See Spending Account Agreement for details. Check the app for offers. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. By clicking Sign up, you agree to receive marketing emails from Insider II. how about NO !! See www.SpruceMoney.com/feesfor details. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . 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. Spruce is a mobile banking app for people who want to be better with money. Fees for other optional products or product features may apply. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. The Spruce mobile banking app can be downloaded in app stores. Amended tax returns not included in flat fees. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. At an office, at home, or both, well do the work. There are limits on the total amount you can transfer and how often you can request transfers. 2023 Bankrate, LLC. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. 5 Stars, 4.25 All deposit accounts through Pathward are FDIC insured. You are required to meet government requirements to receive your ITIN. Yes. Spruce fintech platform is built by H&R Block, which is not a bank. 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. Requires opt in and $200 in qualifying deposits over prior 35-day period. Thanks for your feedback! Thank you! This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. So whatever the problem is, it's on y'all's end. 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. Stay on top of your score, get score insights, and better understand your credit score. Personal state programs are $39.95 each (state e-file available for $19.95). A separate agreement is required for all Tax Audit & Notice Services. 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 ?? For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. If you use your debit card often, these deposits can really add up over time. Payroll services and support to keep you compliant. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. Most state programs available in January; software release dates vary by state. DE, HI and VT do not support part-year/nonresident individual forms. 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. HRB Tax Group, Inc. Spruce fintech platform is built by H&R Block, which is not a bank. Enter the deposit amount. Spruce is a mobile banking app for people who want to be better with money. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. 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. Literally. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. 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. Additional terms and restrictions apply; See. - Round Up. 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. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. May be modified or discontinued at any time. micohn. The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. Were sorry to hear about the poor customer service experience you had and wed like to help! Whatever youre saving for, set personalized goals, start adding money, and track your progress. 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, 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. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. This doesnt influence our evaluations or reviews. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. 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. Interest calculated on current balance at day of deposit. Limitations apply. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Having an ITIN does not change your immigration status. Minimum monthly payments apply. Provide basic information: Be prepared to provide your email address, name, and phone number. 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 Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. We believe in a future with equitable access to easy and affordable banking. 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. 4 Early access to funds depends on the timing of the payers submission of the payment. # - Direct Deposit. 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. Thanks for your feedback! It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Other restrictions apply; terms and conditions apply. Message and data rates may apply. Audit services only available at participating offices. Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers, 1 and get paychecks up to two days early. 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. I get a call center in a foreign country.. Philippines !! Money deposited in your account will be safe. 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 not available in NH. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. No monthly fees, no sign-up fees, no minimum balance requirement. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. Accounts may be opened through the Spruce app and on the Spruce website. See Spending Account Agreement for details. All Rights Reserved. 5 Stars. 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. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. MetaBank works to increase financial availability, choice, and opportunity for all. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. Were sorry for the issue you encountered with Spruce, and wed like to help. Cash back offers and amounts may vary by user, merchant location and offer period. 0 Explore Spruce Emerald Savings 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. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. Limitations apply. All Rights Reserved. 2023 Bankrate, LLC. Endorse your check, then tap "Next". When you use Spruce, its easy to set and monitor your progress toward financial goals. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. 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. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Bank products and services are offered by Pathward, N.A. She is also a Certified Educator in Personal Finance (CEPF). (Jan. 20, 2022) Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. FICO is a trademark of Fair Isaac Corporation. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. 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 !! It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. Take a photo of the back of the check. 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. 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. All deposit accounts through Pathward are FDIC insured. State restrictions may apply. No minimum balance. 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. 2022 HRB Tax Group, Inc. You can set up individual financial goals through the account and evaluate them through charts that track your progress. Not a 1 star for the app as much as the card and company itself. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. 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., For decades, our core tax customers have been hard-working Americans who are trying to make ends meet. NEW OFFER! Spruce is a mobile banking platform built and backed by H&R Block. Check the Spruce app for offer availability. Limited time offer at participating locations. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. It does nothing !! There are limits on the total amount you can transfer and how often you can request transfers. Spruce is the mobile banking app for you. H&R Block does not provide immigration services. 4 Early access to funds depends on the timing of the payers submission of the payment. I downloaded the app and applied for account. This is an optional tax refund-related loan from Pathward, N.A. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. 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 Take a photo of both the front and back of the check (make sure to . Get your paycheck up to 2 days early with direct deposit. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. 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. You don't want to lose it. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. Simple steps, easy tools, and help if you need it. Youve been warned !! Cash back will be deposited in your Savings Account. You dont have to activate your offers though. May be changed or discontinued at any time. ~ - Personalized Saving Goals. Void where prohibited. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. . Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. They had to activate the card themselves and set the pin number so they had my pin and all my info. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. 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. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Saving goals. * - You're Protected With Courtesy Coverage. All Rights Reserved. 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. Additional fees and restrictions may apply. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. HRB Maine License No. HOW WHEN I NEVER GOT IT!!! H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). 5 Credit score is FICOScore 8 based on Experian data. from the Google Play Store and. Should you need such advice, consult a licensed financial or tax advisor. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Editorial Note: We appreciate it and you for being a part of the Spruce community. Brian Martucci writes about credit cards, banking, insurance, travel, and more. Spruces optional Round Up feature can help you reach your savings goals even faster. E-file fees do not apply to NY state returns. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Check the Spruce app for offer availability. Select the account for deposit and enter the check amount. Were sorry for the issue you encountered with Spruce, and wed like to help. Pricing varies by location. See Spruce Rewards powered by Dosh Terms for details. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Terms and conditions apply; see. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. Cash back rewards. Cash-back rewards are provided by Dosh. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Negative balances are . 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.. Emerald Card Retail Reload Providers may charge a convenience fee. Original supporting documentation for dependents must be included in the application. . Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. . Additional training or testing may be required in CA, OR, and other states. 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. 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. But if youre in the market for a new way to spend and save, its definitely worth a close look. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. State e-file not available in NH. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. Description of benefits and details at. 2022 HRB Tax Group, Inc. To begin, you will need to register your Spruce account online. See how Spruce makes security a top priority. Spruce fintech platform is built by H&R Block, which is not a bank. White Collar criminals. Create personalized saving goals and round up your purchases. Fees may reduce earnings. 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). Accounts may be opened through the Spruce app and on the Spruce website. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. You could receive a $50 bonus and get paid two days early. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.