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. Special cannot be part of TSB CD laddering package. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.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. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? Check the Spruce app for offer availability. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? Conditions apply. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Refund Transfer is a bank deposit product, not a loan. Consult an attorney for legal advice. 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. OPEN AN ACCOUNT Table of Contents What Is Spruce? Sophia Acevedo is a banking reporter at Insider. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Audit services constitute tax advice only. Tax Audit & Notice Services include tax advice only. I log in, email, password, and then a screen says nice let's set up your account. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. 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. 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. Copyright2022-2023 HRB Digital LLC. 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. Spruce offers a spending account with a debit card, as well as a connected savings account, to anyone, whether or not they are clients of H&R Block's tax-prep service. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. Find a Chase branch and ATM in Wylie, Texas. Other restrictions apply; terms and conditions apply. 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. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. I downloaded the app and applied for account. If you have a high account balance, you also may want to consider other options. Original supporting documentation for dependents must be included in the application. 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 must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. No luck, it's pulling the exact same thing. Get the latest tips you need to manage your money delivered to you biweekly. A Power of Attorney may be required for some Tax Audit & Notice Services. Requires opt in and $200 in qualifying deposits over prior 35-day period. Additional training or testing may be required in CA, OR, and other states. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. 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. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. 5 Credit score is FICOScore 8 based on Experian data. No problems whatsoever.til today. Conditions apply. Refresh your finances with Spruce, a mobile banking app built by H&R Block. You can use these tools to build (or rebuild) your credit on your own terms. 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. Payroll services and support to keep you compliant. . There's also a fee if you go inside a another bank and withdraw cash with a teller. Should you need such advice, consult a licensed financial or tax advisor. 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. All tax situations are different. Bank products and services are offered by Pathward, N.A. And the lady I spoke with, didnt even have the ability to close down my account ?!?! 2023 Bankrate, LLC. 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. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Message and data rates may apply. Get your paycheck up to 2 days early with direct deposit. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. Its your credit make sure youre in charge. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Additional training or testing may be required in CA, OR, and other states. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. More information is available at sprucemoney.com. Amended tax returns not included in flat fees. Reach him on Twitter, Open eligible new Spruce accounts between 1/1/23 and 6/30/23, Receive $200 in qualifying direct deposits within 45 days of opening, Qualifying direct deposits are ACH credits, including direct deposits but excluding tax refunds, Nonqualifying deposits include internal transfers, external account transfers into Spruce, cash transfers, and mobile check deposits (including paycheck deposits), Receive $200 in cumulative qualifying direct deposits in your Spending account from an employer, payroll, or government benefits provider during a 35-day period, After opting in, you must continue to receive $200 or more in cumulative qualifying direct deposits every month, You must pay back any Courtesy Coverage overdraft within 30 days, Name the goal (the better to track it in the app), Upload a photo to make your goal easier to remember, Set up optional automatic transfers so you dont have to manually transfer funds from your Spending account to your Savings account, Track your progress in the app, which shows the amount left to save. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. - Get your Federal Refund Early! 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. The perks include automatic cash back and early direct deposit. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Not safe, not secure and no one can really help you. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. Negative balances are . Consult your own attorney for legal advice. No credit check to apply. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. HRB Maine License No. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. State e-file not available in NH. Spruce is a mobile banking platform that doesn't come with any monthly fees. It is a discretionary courtesy, not an extension of credit. 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. Do your checking and savings account help you manage your money as efficiently as youd like? of 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. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Earn cash back when you spend at select retailers. Bank products by Pathward, N.A., Member FDIC. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. 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. Direct Deposit Required: Yes Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Fees apply. NEW OFFER! I first got this app and the card for my tax refund. 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. Get the latest on H&R Block news directly to your inbox. 3 There is no fee to withdraw money at Allpoint ATMs. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. 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. This is an optional tax refund-related loan from Pathward, N.A. Get help using Spruce online banking services. Cards issued pursuant to license by Mastercard. Additional qualifications may be required. State restrictions may apply. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Minimum monthly payments apply. We believe in a future with equitable access to easy and affordable banking. 4 Early access to funds depends on the timing of the payers submission of the payment. Learn how to keep it safe. Editorial Note: 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. Yes. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. A Red Ventures company. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. 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). ; it is not your tax refund. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. (member FDIC). I get a call center in a foreign country.. Philippines !! All Rights Reserved. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Supporting Identification Documents must be original or copies certified by the issuing agency. Tax returns may be e-filed without applying for this loan. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Spruce fintech platform is built by H&R Block, which is not a bank. Limitations apply. OBTP#B13696. This is based on our NLP (Natural language processing) analysis of over 135 User Reviews sourced from the Appstore and the appstore cumulative rating of 3.4/5 . Refund claims must be made during the calendar year in which the return was prepared. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Spruce is a new fintech platform created by the tax preparation company H&R Block. Fees for other optional products or product features may apply. Here's how Spruce. Check the app for offers. Offer from H&R Block. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. If you had to think for even a moment about how to answer, you might be ready for a change. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. All tax situations are different. All deposit accounts through Pathward are FDIC insured. Additional fees apply for tax expert support. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. May be changed or discontinued at any time. 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. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. See Spending Account Agreement for details. H&R Block is banking on a new service called Spruce to offer its tax clients banking options at tax time. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. We appreciate it and you for being a part of the Spruce community. But if youre in the market for a new way to spend and save, its definitely worth a close look. II. 2 Get a $50 bonus when you receive qualifying direct deposits. Were sorry for the issue you encountered with Spruce, and wed like to help. The Spruce Spending Account is a solid free account. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. *Go to disclaimer for more details. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. 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. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. 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.. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Additional qualifications may be required. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Amended tax returns not included in flat fees. At The College Investor, we want to help you navigate your finances. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. 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. 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. Brian Martucci writes about credit cards, banking, insurance, travel, and more. 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. About H&R BlockH&R Block, Inc. (NYSE: HRB) provides help and inspires confidence in its clients and communities everywhere through globaltax preparation services,financial products, andsmall-business solutions. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. Cash back will be deposited in your Savings Account. Form your business and you could get potential tax savings. 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. Once your account is created, you'll be logged-in to this account. 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. 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. 0 Get a $50 bonus when you receive qualifying direct deposits. These are the most notable: No fintech app is perfect. Bank products by Pathward, N.A., Member FDIC. Audit services only available at participating offices. FICOis a trademark of Fair Isaac Corporation. Pay yourself when you spend and round up to the nearest dollar. 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. I would run from these people. It is not an extension of credit; it is a courtesy exercised at our discretion. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. You dont have to activate your offers though. Its like its disabled ?? Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. 4 Early access to funds depends on the timing of the payers submission of the payment. 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.
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