Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Tax returns may be e-filed without applying for this loan. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Other restrictions apply; terms and conditions apply. I downloaded the app and applied for account. In some cases, we receive a commission from our partners; however, our opinions are our own. Never even asked for this and here I am with no insight on when Ill be able to access the money. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. 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. Terrible service. 5 Stars, 4.25 Consult your own attorney for legal advice. ; it is not your tax refund. We connect to your payroll provider, and you choose how much you'd like to deposit into Spruce each time you get paid.The next feature is the Watchlist, a quick and easy way to track your month-to-date spending by category. Negative balances are limited to $20 and must be repaid within 30 days. Consult your own attorney for legal advice. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. The perks include automatic cash back and early direct deposit. Audit services only available at participating offices. We have you on our list and we promise to only send you the good stuff. Cash back will be deposited in your Savings Account. Refund claims must be made during the calendar year in which the return was prepared. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Spruce - Mobile banking on the App Store FRA2. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. But if youre in the market for a new way to spend and save, its definitely worth a close look. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. 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. 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. 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. See your. 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? 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. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Spruce - Mobile banking - App Details, Features & Pricing [2022 Additional fees may apply. The student will be required to return all course materials. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. Justuseapp.com. You dont have to take our word for it (or H&R Blocks). Youve been warned !! Let a professional handle your small business books. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. H&R Block Free Online is for simple returns only. Void where prohibited. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. 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. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. transactions, or (2) that is capable of conducting Mobile Banking transactions by using other protocols we may choose to permit (e.g., Wireless Application Protocol (WAP) or text (SMS) messaging). Void where prohibited. 6 Month CD Special | Tioga State Bank - Binghamton, NY - Vestal, NY The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. 2 Other fees apply for certain uses of the Spruce debit card and accounts. 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. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. They say it works with PayPal, cashapp, venmo etc..and it doesn't. No monthly fees. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? 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. 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. A Power of Attorney may be required for some Tax Audit & Notice Services. 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. An ITIN is an identification number issued by the U.S. government for tax reporting only. FICOis a trademark of Fair Isaac Corporation. Access your favorite topics in a personalized feed while you're on the go. of Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. Spruce is a financial technology platform built by H&R Block, which is not a bank. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Additional training or testing may be required in CA, OR, and other states. 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. HRB Maine License No. Spruce is a mobile banking app for people who want to be better with money. 2 Other fees apply for certain uses of the Spruce debit card and accounts. FICOis a trademark of Fair Isaac Corporation. Were sorry for the issue you encountered with Spruce, and wed like to help. 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. Well help you understand the factors that make up your credit score, show how youre doing in each area, and give you tips that could help bring up your score.5Go to disclaimer for more details, Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.6Go to disclaimer for more details. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. I also had to call 4 different times because their were multiple charges for 1 item bought. Additional fees and restrictions may apply. You dont have to activate your offers though. Supporting Identification Documents must be original or copies certified by the issuing agency. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. See Spruce Rewards powered by Dosh Terms for details. Rince and repeat. Amended tax returns not included in flat fees. When you use Spruce, its easy to set and monitor your progress toward financial goals. OPEN AN ACCOUNT Table of Contents What Is Spruce? State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Early access depends on when payment is submitted. All Rights Reserved. It is a discretionary courtesy, not an extension of credit. Spruce fintech platform is built by H&R Block, which is not a bank. 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. . We also get your email address to automatically create an account for you in our website. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Not safe, not secure and no one can really help you. Its accounts come with several special perks like cash-back rewards and early direct deposit. 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. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. II. E-file fees do not apply to NY state returns. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Signing up for Spruce was easy, learning my way around the app was quite easy as well. This isnt guaranteed because Spruce has no control over the IRS, but Spruce does make funds available as soon as it receives payment instructions for your refund which can happen as early as 5 days before the deposit would normally appear in your account. 0 Explore Spruce Emerald Savings Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. 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. File yourself or with a small business certified tax professional. 1 Spruce Rewards are powered by Dosh. Do your checking and savings account help you manage your money as efficiently as youd like? Requires opt in and $200 in qualifying deposits over prior 35-day period. Having an ITIN does not change your immigration status. E-file fees do not apply to NY state returns. The one disadvantage to this account is you won't earn any interest. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. 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. Thanks for your feedback! See. . Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Our deep understanding of their needs helped us uncover that whats been missing in mobile banking are easy-to-use features in a product from a company people know and trust, said Les Whiting, Chief Financial Services Officer of H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Spruce Mobile Banking by H&R Block: $20 Sign-Up Bonus Bank products by Pathward, N.A., Member FDIC. how about NO !! 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. My only real complaint is there isnt a specific section to see my pending deposits they kind of just show up (unless I havent found where to see that information yet). OBTP#B13696. See, Important Terms, Conditions and Limitations apply. You don't need to be a client of H&R Block to become part of Spruce. Spruce fintech platform is built by H&R Block, which is not a bank. 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. . Supporting Identification Documents must be original or copies certified by the issuing agency. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Should you need such advice, consult a licensed financial or tax advisor. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? FRA2. H&R Block does not provide immigration services. Spruce is a new fintech platform created by the tax preparation company H&R Block . All Rights Reserved. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees.

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