5 Stars, 3.75 To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Negative balances are limited to $20 and must be repaid within 30 days. 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. Offer valid only for 6-Month TSB CD Special. 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. 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. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. 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. When you use Spruce, it's easy to set and monitor your progress toward financial goals. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. 2022 HRB Tax Group, Inc. Year-round access may require an Emerald Savingsaccount. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. DE, HI and VT do not support part-year/nonresident individual forms. Spruce fintech platform is built by H&R Block, which is not a bank. Void where prohibited. Additional information can be found by visiting www.metafinancialgroup.com. 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. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . *Go to disclaimer for more details. No luck, it's pulling the exact same thing. 4 Early access to funds depends on the timing of the payers submission of the payment. But the app and site refuse to even allow me to sign up. Discover money tips & financial resources. Were sorry for the issue you encountered with Spruce, and wed like to help. 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. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. You're saving it. Took 1 week to get my money back. A Red Ventures company. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. Limitations apply. No one can help me or give me information. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. All Rights Reserved. You could receive a $50 bonus and get paid two days early. 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. Never even asked for this and here I am with no insight on when Ill be able to access the money. Learn how to keep it safe. A qualifying expected tax refund and e-filing are required. With Spruce, you'll open checking and savings accounts. $50 will be deposited within 14 business days after completing all requirements. Additional fees and restrictions may apply. Credit score is FICO Score 8 based on Experian data. Additional training or testing may be required in CA, OR, and other states. 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. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. 2023 Bankrate, LLC. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. (Jan. 20, 2022) Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. Available only for federal refunds. Spruce is a mobile banking platform that doesnt come with any monthly fees. 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 . I first got this app and the card for my tax refund. Spruce fintech platform is built by H&R Block, which is not a bank. Thank you! 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. Bank products by Pathward, N.A., Member FDIC. 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. Most personal state programs available in January; release dates vary by state. If you are looking for a simple solution for your mobile banking needs that will help you get better with your money, try the Spruce Spending and Savings Accounts to get a $20 bonus with a direct deposit. Thanks for your review! Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. 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. 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. This is an optional tax refund-related loan from Pathward, N.A. It does nothing !! Thank you! Cash back rewards. Refresh your finances with Spruce, a mobile banking app built by H&R Block. * Offer from H&R Block. Negative balances are . See www.SpruceMoney.com/feesfor details. . Limited time offer at participating locations. 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 ?? Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. All Rights Reserved. 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. E-file fees do not apply to NY state returns. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Additional qualifications may be required. Refund Transfer is a bank deposit product, not a loan. Any investing information provided on this page is for educational purposes only. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. 2nd red flag !! 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. Signing up for Spruce was easy, learning my way around the app was quite easy as well. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. It gets worse from there.. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Get help using Spruce online banking services. Additional fees and restrictions may apply. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. Fees apply. Take a photo of the back of the check. Great news! 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. 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. Rince and repeat. From the My Life page, budget your way and customize your Watchlist by adding categories important to you. Saving goals. How Do I Contact Spruce? Our deep understanding of their needs helped us uncover that whats been missing in mobile banking are easy-to-use features in a product from a company people know and trust, said Les Whiting, Chief Financial Services Officer of H&R Block. Provide basic information: Be prepared to provide your email address, name, and phone number. HRB Tax Group, Inc.
A separate agreement is required for all Tax Audit & Notice Services. For more information, see the developers privacy policy. KANSAS CITY, MO. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. It was recommended to me when I visited H&R block to do my taxes. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. The Spruce Spending Account is a solid free account. - Get your Federal Refund Early! * No monthly fees. You can file your return and receive your refund without applying for a Refund . OBTP#B13696. Void where prohibited. It is not an extension of credit; it is a courtesy exercised at the banks discretion. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Spruce is a new fintech platform created by the tax preparation company H&R Block . TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice. 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. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. State e-file not available in NH. Spruce has no monthly fees, no sign-up fees, no overdraf. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? We appreciate it and you for being a part of the Spruce community. Safety starts with understanding how developers collect and share your data. Download the app: Spruce is a mobile-friendly platform. 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. No problems whatsoever.til today. ~ - Personalized Saving Goals. Depends on timing of the IRS's payment file. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. DE, HI and VT do not support part-year/nonresident individual forms. Simple steps, easy tools, and help if you need it. When you use Spruce, its easy to set and monitor your progress toward financial goals. Consult your own attorney for legal advice.
Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. 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. 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. 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). https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. A mobile banking app for people who want to make the most of their refund. Year-round access may require an Emerald Savingsaccount. Pricing varies by location. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. 529 Plans: The Ultimate College Savings Plan, Understanding And Using 529A ABLE Accounts, Using A Roth IRA To Save And Pay For College, Student Loan And Financial Aid Programs By State, The Guide To Military And VA Education Benefits, The Best College Scholarship Search Websites, Pell Grants: What They Are And How To Qualify, How To Use A 529 Plan If Your Child Doesnt Go To College, Best Student Loans And Rates In March 2023, 10 Best Private Student Loans Of March 2023, Best Student Loans To Pay For Graduate School, Best Student Loans To Pay For Medical School, Guide To Income Sharing Agreements (ISAs), Best Student Loan Refinance Companies In March 2023, Best Student Loan Refinancing Bonuses And Promotional Offers Of March 2023, Student Loan Forgiveness Programs (The Complete List), The Full List Of Student Loan Forgiveness Programs By State, How To Start Investing In Your Twenties For 22 29 Year Olds, How To Start Investing In Your 30s For 30 39 Year Olds, The Best Traditional And Roth IRA Accounts, The Best Places To Open A Health Savings Account, The Best Self-Directed IRA Providers Of 2023, 20 Best Side Hustles You Can Start Earning With In 2023, 54 Side Hustle Ideas To Make Money Fast In 2023, 100 Ways To Make Money In College In 2023, 5 Quick Money Making Ideas (That Take Less Than 1 Hour), 10 Interesting Ways You Can Make Money Driving, High-Paying Side Gigs That Earn $1,000 or More Per Month, Paid Surveys: Earn Money For Giving Your Opinion Online, 10 Crazy Ways To Make $10,000 Youve Never Heard Of, 40 Best Passive Income Ideas To Build Wealth In 2023, 3 Ways To Make $50,000 Per Year Without Working With Passive Income, How To Become A Real Estate Investor With Just $500, Residual Income: 7 Super Smart Ways to Build It, How To Become A Real Estate Mogul With Only $10,000, 10 Best High Yield Savings Accounts Of March 2023, 10 Best Money Market Accounts Of March 2023, 10 Best Free Checking Accounts In March 2023, 10 Best Business Checking Accounts In March 2023, Best Credit Unions Nationwide Of March 2023, Best College Student Checking Accounts Of March 2023. Credit Repair Explained: Should You Pay For Help?
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