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). All tax situations are different. 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. See Spruce Rewards powered by Dosh Terms for details. Additional information can be found by visiting At which point it takes me right back to the log in screen. Original supporting documentation for dependents must be included in the application. Void where prohibited. E-file fees do not apply to NY state returns. State e-file not available in NH. 3 There is no fee to withdraw money at Allpoint ATMs. Spruce isnt perfect; no fintech app is. The student will be required to return all course materials. Among the dozens of newish fintech platforms I've examined and reviewed over the past year or two, Spruce stands out for its simplicity, usefulness, and transparent fee structure. I would run from these people. Fees apply to Emerald Card bill pay service. If you have a high account balance, you also may want to consider other options. Editorial Note: 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. - Get your Federal Refund Early! 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 ?? Pricing varies by location. No minimum balance. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Spruce fintech platform is built by H&R Block, which is not a bank. Get your paycheck up to 2 days early with direct deposit. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. 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. 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. Spruce is a mobile banking platform built and backed by H&R Block. To begin, you will need to register your Spruce account online. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). * No monthly fees. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. Limit one per customer. Spruce has few fees. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! We believe in a future with equitable access to easy and affordable banking. 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. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. Update: HRBlock called me finally and kinda fixed the situation but not entirely. I also had to call 4 different times because their were multiple charges for 1 item bought. 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. Tap "Deposit checks" and choose the account where you want your deposit to go. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. No one can help me or give me information. If you had to think for even a moment about how to answer, you might be ready for a change. 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). Select the account for deposit and enter the check amount. 5 Stars. If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), well refund the tax prep fee for that return and file an amended return at no additional charge. Saving goals. 0 Get a $50 bonus when you receive qualifying direct deposits. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. Fees for other optional products or product features may apply. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. The perks include automatic cash back and early direct deposit. This is a HUGE security risk and the first red flag !! It is not an extension of credit; it is a courtesy exercised at the banks discretion. 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. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! Spruce was built by US tax preparation firm H&R Block The app, launched on 20 January 2022, includes a spending account with a debit card, a connected savings account that allows for specific budgeting goals, early paycheque availability and overdraft protection. 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. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. To find out if you may be eligible for a HELOC, . May be changed or discontinued at any time. 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. Please drop us a line at or call us at 1-855-977-7823 so we can investigate this issue further and work on getting it fixed. Online bank vs online banking platform: Which is better for you? Spruce has no monthly fees, no sign-up fees, no overdraf. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. See Spruce Rewards powered by Dosh Terms for details, 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). Download the app: Spruce is a mobile-friendly platform. 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. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. 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). Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. Additional fees and restrictions may apply. More information is available at Once your account is created, you'll be logged-in to this account. Void where prohibited. Yes. Tax returns may be e-filed without applying for this loan. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. You are required to meet government requirements to receive your ITIN. Emerald Card Retail Reload Providers may charge a convenience fee. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. Take a photo of both the front and back of the check (make sure to . OBTP#B13696. All deposit accounts through Pathward are FDIC insured. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. You don't want to lose it. Never even asked for this and here I am with no insight on when Ill be able to access the money. 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. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. Are There Any Fees? See for details. 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. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. If that name rings a bell, its because H&R Block is one of the biggest players in tax preparation, with thousands of locations around the country and robust online tax prep software to match. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. No sign-up fees. Bank products by Pathward, N.A., Member FDIC. Get location hours, directions, customer service numbers and available banking services. Do your checking and savings account help you manage your money as efficiently as youd like? Interest will be compounded and credited quarterly. Enrollment restrictions apply. You have it. When you use Spruce, it's easy to set and monitor your progress toward financial goals. 2 Get a $50 bonus when you receive qualifying direct deposits. January 20, 2022 08:00 ET She is also a Certified Educator in Personal Finance (CEPF). Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. It gets worse from there.. 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.. May be modified or discontinued at any time. HRB Maine License No. This doesnt influence our evaluations or reviews. See. H&R Block Free Online is for simple returns only. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.