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. See Spending Account Agreement for details. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. 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. 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. 2022 HRB Tax Group, Inc. There are limits on the total amount you can transfer and how often you can request transfers. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. So Im a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank. So whatever the problem is, it's on y'all's end. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). This means their mobile app does NOT sync with your phone or know who you are !!! A Power of Attorney may be required for some Tax Audit & Notice Services. Enrollment restrictions apply. Tap "Front" and take a photo of the front of the check. No credit check to apply. Find a Chase branch and ATM in Wylie, Texas. Spruce Accounts may not be closed or restricted at payout. Negative balances are limited to . Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. Available only at participating H&R Block offices. FRA2. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. $50 will be deposited within 14 business days after completing all requirements. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . I have called 3 times and had 3 different cards issued to me and have yet to receive 1. The one disadvantage to this account is you won't earn any interest. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Most personal state programs available in January; release dates vary by state. Update: HRBlock called me finally and kinda fixed the situation but not entirely. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Thanks for your feedback! Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Were sorry to hear about the poor customer service experience you had and wed like to help! There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. With Spruce, you can receive your federal tax refund up to 5 days early. 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. Requires opt in and $200 in qualifying deposits over prior 35-day period. - Get your Federal Refund Early! 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. This is an optional tax refund-related loan from Pathward, N.A. 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 . 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. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. - Cash Back. E-file fees do not apply to NY state returns. With Spruce, you'll open checking and savings accounts. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Additional information can be found by visiting www.metafinancialgroup.com. 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. Thank you! After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Message and data rates may apply. The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. FICOis a trademark of Fair Isaac Corporation. All deposit accounts through Pathward are FDIC insured. At which point it takes me right back to the log in screen. See Spruce Rewards powered by Dosh Terms for details. All Rights Reserved. Brian Martucci writes about credit cards, banking, insurance, travel, and more. 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. You can use these tools to build (or rebuild) your credit on your own terms. 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. 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. You can also see up financial goals through their different savings features. Some steps to deposit an online check may include: Sign into your selected banking mobile app. We appreciate it and you for being a part of the Spruce community. how about NO !! Member FDIC, provides the financial know-how that many Americans urgently need. I get a call center in a foreign country.. Philippines !! She is also a Certified Educator in Personal Finance (CEPF). # Spruce Rewards powered by Dosh. 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. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early 1, and earn cash back rewards at select retailers. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. You can file your return and receive your refund without applying for a Refund Transfer. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. 2nd red flag !! FRA2. 3 There is no fee to withdraw money at Allpoint ATMs. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Transfer funds: If you have a funding account, be ready to provide that information. micohn. BIG MISTAKE !!! We believe in a future with equitable access to easy and affordable banking. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. 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. Additional fees and restrictions may apply. All tax situations are different. She is based in Los Angeles. Cards issued pursuant to license by Mastercard. Visit the resource center for money tips and financial knowledge. If youre intrigued by what youve learned about Spruce so far, keep reading for more details about its core features and capabilities. Most state programs available in January; software release dates vary by state. E-file fees do not apply to NY state returns. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. *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. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. They tell me they can see the account and all my info matches but I have no access to my money. Audit services constitute tax advice only. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Enrollment restrictions apply. Fees apply to Emerald Card bill pay service. . Negative balances are limited to $20 and must be repaid within 30 days. Minimum balance of $5,000 required to open account and obtain the APY. Additional qualifications may be required. Void where prohibited. Whatever youre saving for, set personalized goals, start adding money, and track your progress. Limitations apply. There's also a fee if you go inside a another bank and withdraw cash with a teller. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). MetaBank works to increase financial availability, choice, and opportunity for all. Were sorry for the issue you encountered with Spruce, and wed like to help. Once your account is created, you'll be logged-in to this account. II. Accounts may be opened through the Spruce app and on the Spruce website. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. Learn about how Spruce can help you keep your data and funds safe. May be changed or discontinued at any time. In some cases, we receive a commission from our partners; however, our opinions are our own. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. 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. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. But the app and site refuse to even allow me to sign up. . 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. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Get help using Spruce online banking services. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. ; it is not your tax refund. Spruce is a mobile banking app for people who want to be better with money. Take a photo of both the front and back of the check (make sure to . Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. Negative balances are limited to $20 and must be repaid within 30 days. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Spruce has some other key benefits. Receive your federal tax refund up to 5 days early, ** get paychecks up to two days early, 1 and earn automatic cash back rewards at select retailers. (member FDIC). Is this a joke ?? We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. Line balance must be paid down to zero by February 15 each year. Terrible service. H&R Block Maine License Number: FRA2. Provide basic information: Be prepared to provide your email address, name, and phone number. Get your federal tax refund up to five days early.7Go to disclaimer for more details, Score a $50 bonus when you receive qualifying direct deposits. Having an ITIN does not change your immigration status. A separate agreement is required for all Tax Audit & Notice Services. Spruce is a new fintech platform created by the tax preparation company H&R Block . and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. No problems whatsoever.til today. 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. 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. 5 Stars. OBTP#B13696. If you have a high account balance, you also may want to consider other options. They had to activate the card themselves and set the pin number so they had my pin and all my info. Spruce fintech platform is built by H&R Block, which is not a bank. as well as other partner offers and accept our, Savings feature that allows you to set individual financial goals, Get cash back rewards through Dosh when you shop at one of 10,000+ select retailers, $20 bonus if you meet the requirements by April 20, 2022, Courtesy Coverage that covers a negative balance of up to $20 if you meet the requirements, $4.95 fee for bank teller cash withdrawals. 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. Pricing varies by location. Tax returns may be e-filed without applying for this loan. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Spruces optional Round Up feature can help you reach your savings goals even faster. 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). Valid at participating locations only. You dont have to take our word for it (or H&R Blocks). 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. Line balance must be paid down to zero by February 15 each year. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? Negative balances are . DO NOT Sell My Personal Information. 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.. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! H&R Block Maine License Number: FRA2. White Collar criminals. An ITIN is an identification number issued by the U.S. government for tax reporting only. If you had to think for even a moment about how to answer, you might be ready for a change. Consult your own attorney for legal advice. Emerald Card Retail Reload Providers may charge a convenience fee. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. Minimum monthly payments apply. Bank deposit accounts, such as checking and . H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. 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. I log in, email, password, and then a screen says nice let's set up your account. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. 5 Credit score is FICOScore 8 based on Experian data. Any investing information provided on this page is for educational purposes only. 2023 Bankrate, LLC. State e-file not available in NH. of If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. DE, HI and VT do not support part-year/nonresident individual forms. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Consult an attorney for legal advice. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers . And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. See Spruce Rewards powered by Dosh Terms for details. Receive your federal refund up to 5 days early with Spruce. 5 Stars, 4.25 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. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. It was recommended to me when I visited H&R block to do my taxes. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. If your employer issues paper paychecks, you receive checks for rebates . And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Online banks are just as safe as brick-and-mortar banks, and you may like them if you're comfortable banking digitally, Mobile banking lets you bank from anywhere, but may not offer as many services as traditional banking, Must open both Savings and Spending account, Spruce Savings account is linked to Spending account, which is the primary Spruce bank account, When you use the Spruce debit card at select retailers you'll get cash back rewards automatically deposited into your account, 55,000 free ATMs nationwide through the Allpoint ATM network, Deposits are FDIC insured through MetaBank, To receive Courtesy Coverage, you must make at least $200 in qualifying direct deposits within a 35-day period, To get a $20 bonus, open a new Spruce bank account before April 20, 2022, and make at least $200 in direct deposits during the first 45 days of opening the account.