*Go to disclaimer for more details. All tax situations are different. Spruce Mobile Banking Platform | H&R Block Newsroom Editorial Note: Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. 00), using the mySpruce app, or by visiting the Spruce kiosk at one of our partner locations. We have you on our list and we promise to only send you the good stuff. The student will be required to return all course materials. Fees may reduce earnings. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? Interest will be compounded and credited quarterly. Its accounts come with several special perks like cash-back rewards and early direct deposit. Year-round access may require an Emerald Savingsaccount. You don't need to be a client of H&R Block to become part of Spruce. Provide basic information: Be prepared to provide your email address, name, and phone number. H&R Block is not a bank. 3 There is no fee to withdraw money at Allpoint ATMs. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. OPEN AN ACCOUNT Table of Contents What Is Spruce? Spruce - Mobile banking - Apps on Google Play At an office, at home, or both, well do the work. But if youre in the market for a new way to spend and save, its definitely worth a close look. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. * Offer from H&R Block. Visit the resource center for money tips and financial knowledge. Additional fees may apply. Most state programs available in January; software release dates vary by state. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Cash back offers and amounts may vary by user, merchant location and offer period. Bank products by Pathward, N.A., Member FDIC. Transfer funds: If you have a funding account, be ready to provide that information. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. State e-file available for $19.95. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . 2 Other fees apply for certain uses of the Spruce debit card and accounts. . Most state programs available in January; software release dates vary by state. I decided why not and filed my taxes to get my direct deposit into my new spruce account. All Rights Reserved. I liked the setup so much I used it to get my paycheck. 2nd red flag !! Spruce Banking Review | The College Investor 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. H&R Block Introduces Spruce Mobile Banking Platform to Help More You're saving it. Additional information can be found by visiting www.metafinancialgroup.com. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Amended tax returns not included in flat fees. Not safe, not secure and no one can really help you. All Rights Reserved. Have funds and absolutely NO access to them. Available only at participating H&R Block offices. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Limit one per customer. All three banking platforms require no minimum opening, deposit, or monthly fees. 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. Refund Transfer is a bank deposit product, not a loan. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. 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). Enter the deposit amount. Our opinions are our own. 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. I log in, email, password, and then a screen says nice let's set up your account. Line balance must be paid down to zero by February 15 each year. Terms apply to offers listed on this page. Your goals can be anything you want them to be, from big ones like a down payment on a car or 6-month emergency fund to smaller ones like a new nonstick pan or work outfit. 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. Payroll services and support to keep you compliant. 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. Let us know. how about NO !! Read our editorial standards. Money deposited in your account will be safe. We believe in a future with equitable access to easy and affordable banking. 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? Negative balances are limited to $20 and must be repaid within 30 days. Youve been warned !! ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Consult an attorney for legal advice. We're back with some exciting additions and updates to Spruce! 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. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Spruce is a Mobile Banking App and includes a Debit Card with Benefits . Get location hours, directions, customer service numbers and available banking services. 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. No credit check to apply. The Spruce mobile banking app can be downloaded in app stores. More information is available at sprucemoney.com. Spruce isnt totally fee-free, however. However, the Spending and Savings accounts are FDIC insured through Spruce's. Rince and repeat. 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. Spruce Banking Review: Banking Platform, Cash Back Rewards Spruce Mobile Banking App | Spruce Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. 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. It does nothing !! Available only at participating H&R Block offices. 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. MetaBank works to increase financial availability, choice, and opportunity for all. Refund Transfer is a bank deposit product, not a loan. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Spruce is a mobile banking platform built and backed by H&R Block. 11 Best Check-Cashing Apps in 2023 - Instantly + Online - CreditDonkey micohn. We may have financial relationships with some of the companies mentioned on this website. US mobile banking app Spruce launches powered by SoFi Technologies To do this, many or all of the products featured here may be from our partners. Terms and conditions apply; see. I get a call center in a foreign country.. Philippines !! I have called 3 times and had 3 different cards issued to me and have yet to receive 1. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. 2 Get a $50 bonus when you receive qualifying direct deposits. The perks include automatic cash back and early direct deposit. 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. 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 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Cash back rewards. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Spruce Mobile Banking by H&R Block: $20 Sign-Up Bonus E-file fees do not apply to NY state returns. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. Additional terms and restrictions apply; See. 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. ThroughBlock AdvisorsandWave, the company helps small-business owners thrive with innovative products like Wave Money, a small-business banking and bookkeeping solution, and the only business bank account to manage bookkeeping automatically. Seriously ?? Limitations apply. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. 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. *Go to disclaimer for more details, Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers,1Go to disclaimer for more details and get paychecks up to two days early.2Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. See Spruce Rewards powered by Dosh Terms for details. Valid at participating locations only. 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. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Original supporting documentation for dependents must be included in the application. With Spruce, you can receive your federal tax refund up to 5 days early. 3 There is no fee to withdraw money at Allpoint ATMs. Check the Spruce app for offer availability. 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. I downloaded the app and applied for account. Member FDIC, provides the financial know-how that many Americans urgently need. See Spending Account Agreement for details. Spruce is the mobile banking app for you. Any investing information provided on this page is for educational purposes only. 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 Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. 5 Stars, 4.25 out of Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. You don't want to lose it. E-file fees do not apply to NY state returns. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! The perks include automatic cash back and early direct deposit. Courtesy of Spruce and for a limited time only, you can earn a $50 bonus when you open a new Spruce account and receive qualifying direct deposits during the offer period. Again, Spruce generally makes funds available when it receives payment instructions, which can come up to 2 days ahead of your scheduled payday. 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. 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. All deposit accounts through Pathward are FDIC insured. To qualify for the H&R Block Maximum Refund Guarantee, the refund claim must be made during the calendar year in which the return was prepared and the larger refund or smaller tax liability must not be due to incomplete, inaccurate, or inconsistent information supplied by you, positions taken by you, your choice not to claim a deduction or credit, conflicting tax laws, or changes in tax laws after January 1, 2022. State restrictions may apply. State e-file not available in NH. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Your wireless carrier may charge a fee for text messaging or data usage. See www.SpruceMoney.com/fees for details. Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. Check the app for offers. 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. Access your favorite topics in a personalized feed while you're on the go. File yourself or with a small business certified tax professional. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Spruce Review A Mobile Banking Platform Built by H&R Block DE, HI and VT do not support part-year/nonresident individual forms. MetaBank has a B rating because it has 775 complaints filed against the business. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. 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. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). (member FDIC). The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. 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. Great news! H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. By clicking Sign up, you agree to receive marketing emails from Insider HRB Maine License No. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. H&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 has no monthly fees, no sign-up fees, no overdraf. We compared Spruce Banking to two other online banking platforms: Chime and One. Spruce users can access more than 55,000 ATMs nationwide without fees. Pricing varies by location. At The College Investor, we want to help you navigate your finances. 2022 HRB Tax Group, Inc. Copyright 2021-2023 HRB Digital LLC. Member FDIC, provides the financial know-how that many Americans urgently need. No credit check to apply. 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. 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. We also get your email address to automatically create an account for you in our website. H&R Block Free Online is for simple returns only. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. You can snag your $50 bonus just for receiving qualified direct deposits. You can download the app for iOS and Android. Should you need such advice, consult a licensed financial or tax advisor. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. No monthly fees. I also had to call 4 different times because their were multiple charges for 1 item bought.