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. Message and data rates may apply. Enrollment restrictions apply. No minimum balance. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Offers vary by user, merchant location and offer period. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? If you havent gotten a card from them, they want the card info before sending you another card! Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. * - You're Protected With Courtesy Coverage. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. 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. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. 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. Refund Transfer is a bank deposit product, not a loan. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. DE, HI and VT do not support part-year/nonresident individual forms. 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. Fees apply to Emerald Card bill pay service. January 20, 2022 08:00 ET 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. See Spending Account Agreement for details. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Its like its disabled ?? *Go to disclaimer for more details. Terrible service. Refund claims must be made during the calendar year in which the return was prepared. Other restrictions apply; terms and conditions apply. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. State restrictions may apply. 1 Spruce Rewards are powered by Dosh. 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. No monthly fees. 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. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Emerald Card Retail Reload Providers may charge a convenience fee. Spruce is a mobile banking platform built and backed by H&R Block. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. Copyright2022-2023 HRB Digital LLC. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. By clicking Sign up, you agree to receive marketing emails from Insider Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. 3 There is no fee to withdraw money at Allpoint ATMs. State e-file available for $19.95. Consult an attorney for legal advice. A qualifying expected tax refund and e-filing are required. 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. 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. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. 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. Visit the resource center for money tips and financial knowledge. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. To access Mobile Deposit, simply enroll (download the ANBTX Mobile Banking app), launch the app, and follow the step-by-step instructions: Sign the back of the check (endorse check) Access the ANBTX Mobile Deposit app. Cash back rewards. 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. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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. Bank products by Pathward, N.A., Member FDIC. GET PAID UP TO TWO DAYS EARLY Enroll in direct deposit to access your paycheck sooner. FREE CREDIT SCORE Understand what makes up your credit score, how different . If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. If you use your debit card often, these deposits can really add up over time. Were sorry for the issue you encountered with Spruce, and wed like to help. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. 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. A separate agreement is required for all Tax Audit & Notice Services. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Credit score is FICO Score 8 based on Experian data. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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. out Refresh your finances with Spruce, a mobile banking app built by H&R Block. Having an ITIN does not change your immigration status. Emergency fund? Fees apply. If you had to think for even a moment about how to answer, you might be ready for a change. Thanks for your review! Accounts may be opened through the Spruce app and on the Spruce website. 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. Our opinions are our own. 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? 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. OBTP#B13696. Year-round access may require an Emerald Savingsaccount. Check the Spruce app for offer availability. Spruce isnt totally fee-free, however. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. All deposit accounts through Pathward are FDIC insured. Emerald Card Retail Reload Providers may charge a convenience fee. 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. Your wireless carrier may charge a fee for text messaging or data usage. However, the Spending and Savings accounts are FDIC insured through Spruce's. Penalty for early withdrawal. Like most other check-cashing services, there is a free option if you can wait 10 days for your deposit with the option for instant deposit with a modest fee. Bank products and services are offered by Pathward, N.A. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Special cannot be part of TSB CD laddering package. 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. Chime is a financial technology company, not a bank. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Pathward does not charge a fee for this service; please see your bank for details on its fees. You can file your return and receive your refund without applying for a Refund Transfer. DE, HI and VT do not support part-year/nonresident individual forms. Not safe, not secure and no one can really help you. Tax returns may be e-filed without applying for this loan. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. Spruce isnt perfect; no fintech app is. No one can help me or give me information. Spruce is the mobile banking app for you. HRB Maine License No. # - Direct Deposit. 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. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. References to products, offers, and rates from third party sites often change. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. I downloaded the app and applied for account. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. H&R Block is a registered trademark of HRB Innovations, Inc. TurboTaxand Quickenare registered trademarks of Intuit, Inc. TaxActis a registered trademark of TaxAct, Inc. Windowsis a registered trademark of Microsoft Corporation. Accounts may be opened through the Spruce app and on the Spruce website. Form your business and you could get potential tax savings. Other Offers You May Like Premier Savings - Up to 4.13% APY Click Here to Learn More 4.13% APY when you have at least $1,000 balance No minimum opening deposit No monthly service fees Stay on top of your score, get score insights, and better understand your credit score. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. 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. 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. Fees apply. State e-file available for $19.95. Refund Transfer is a bank deposit product, not a loan. We compared Spruce Banking to two other online banking platforms: Chime and One. Spruce is a Mobile Banking App and includes a Debit Card with Benefits . See Spending Account Agreement for details. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Seriously ?? 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 ?? See Spruce Rewards powered by Dosh Terms for details. The student will be required to return all course materials. She is also a Certified Educator in Personal Finance (CEPF). 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. The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. Available only at participating H&R Block offices. No monthly fees, no sign-up fees, no minimum balance requirement. (member FDIC). At which point it takes me right back to the log in screen. Thanks for your feedback! File yourself or with a small business certified tax professional. H&R Block does not provide immigration services. (member FDIC). I get a call center in a foreign country.. Philippines !! Fees for other optional products or product features may apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. H&R Block Free Online is for simple returns only. You could receive a $50 bonus and get paid two days early. Umm. ~ - Personalized Saving Goals. No credit check to apply. You can set up individual financial goals through the account and evaluate them through charts that track your progress. No credit check to apply. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. A mobile banking app for people who want to make the most of their refund. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Original supporting documentation for dependents must be included in the application. Additional fees may apply. 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). 2023 Money Crashers, LLC. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Line balance must be paid down to zero by February 15 each year. See, Important Terms, Conditions and Limitations apply. 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. Among the dozens of newish fintech platforms Ive examined and reviewed over the past year or two, Spruce stands out for its simplicity, usefulness, and transparent fee structure. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. More information is available at sprucemoney.com. State e-file not available in NH. Take a photo of both the front and back of the check (make sure to . 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.

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