See. Thank you! But the app and site refuse to even allow me to sign up. The Spruce Spending Account is a solid free account. - Credit Score. . Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Money deposited in your account will be safe. I was at least able to get access to the money to pull it all off. Valid at participating locations only. If youre intrigued by what youve learned about Spruce so far, keep reading for more details about its core features and capabilities. 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? Interest will be compounded and credited quarterly. Spruce is the mobile banking app for you. There are limits on the total amount you can transfer and how often you can request transfers. 2 Other fees apply for certain uses of the Spruce debit card and accounts. A Power of Attorney may be required for some Tax Audit & Notice Services. Spruce is a new fintech platform created by the tax preparation company H&R Block . A Red Ventures company. Simple steps, easy tools, and help if you need it. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. *Go to disclaimer for more details. Consult an attorney for legal advice. 4 Early access to funds depends on the timing of the payers submission of the payment. Free credit score.5Go to disclaimer for more details, Breathe easy with courtesy overdraft protection up to $20.6Go to disclaimer for more details. 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. To find out if you may be eligible for a HELOC, . 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. Minimum monthly payments apply. Refund Transfer is a bank deposit product, not a loan. 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 ?? . Negative balances are limited to $20 and must be repaid within 30 days. Once your account is created, you'll be logged-in to this account. Cards issued pursuant to license by Mastercard. 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. Fees apply to Emerald Card bill pay service. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. Spruce fintech platform is built by H&R Block, which is not a bank. I decided why not and filed my taxes to get my direct deposit into my new spruce account. 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. How Do I Contact Spruce? Bank products and services are offered by Pathward, N.A. H&R Block is not a bank. HOW WHEN I NEVER GOT IT!!! It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Check the app for offers. You can sign up online or through mobile. The one disadvantage to this account is you won't earn any interest. You could receive a $50 bonus and get paid two days early. Additional fees and restrictions may apply. It was recommended to me when I visited H&R block to do my taxes. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Conditions apply. See. Receive your federal refund up to 5 days early with Spruce. Update: HRBlock called me finally and kinda fixed the situation but not entirely. Enrollment restrictions apply. | Source: Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. Terms and conditions apply; see. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. $50 will be deposited within 14 business days after completing all requirements. Your wireless carrier may charge a fee for text messaging or data usage. This doesnt influence our evaluations or reviews. *Go to disclaimer for more details. 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. Spruce - Mobile banking on the App Store Spruce Mobile Banking - Get Better with Money | H&R Block Editorial Note: 3 There is no fee to withdraw money at Allpoint ATMs. Spruce fintech platform is built by H&R Block, which is not a bank. FICOis a trademark of Fair Isaac Corporation. The student will be required to return all course materials. Spruce is a financial technology platform built by H&R Block, which is not a bank. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. No sign-up fees. Depends on timing of the IRS's payment file. We're back with some exciting additions and updates to Spruce! Spruce Review A Mobile Banking Platform Built by H&R Block When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. They say it works with PayPal, cashapp, venmo etc..and it doesn't. H&R Block Maine License Number: FRA2. 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. 3 There is no fee to withdraw money at Allpoint ATMs. Justuseapp.com. All Rights Reserved. Bank products and services are offered by Pathward, N.A. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. - Cash Back. 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. Early access depends on when payment is submitted. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. 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. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. Spruce users can access more than 55,000 ATMs nationwide without fees. 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. Minimum monthly payments apply. The following data may be collected and linked to your identity: Privacy practices may vary, for example, based on the features you use or your age. New car? Spruce Mobile Banking Platform | H&R Block Newsroom Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Spruce isnt totally fee-free, however. At an office, at home, or both, well do the work. Available only at participating H&R Block offices. 5 Credit score is FICOScore 8 based on Experian data. $20 bonus if you meet the requirements and open an account before April 20, 2022. 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. Having an ITIN does not change your immigration status. 6 Month CD Special | Tioga State Bank - Binghamton, NY - Vestal, NY 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. More information is available at sprucemoney.com. No minimum balance. DE, HI and VT do not support part-year/nonresident individual forms. 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. See Spruce Rewards powered by Dosh Terms for details, Tax Identity Shield Terms, Conditions and Limitations, Free Worry-Free Audit Support is available only for clients who purchase and use H&R Block desktop software solutions to prepare and successfully file their 2022 individual income tax return (federal or state). 2023 Bankrate, LLC. Let a professional handle your small business books. Bank products by Pathward, N.A., Member FDIC. Not safe, not secure and no one can really help you. Pay yourself when you spend and round up to the nearest dollar. Limitations apply. The developer provided this information and may update it over time. Find a Chase branch and ATM in Wylie, Texas. . Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. Create personalized saving goals and round up your purchases. See, Important Terms, Conditions and Limitations apply. Should you need such advice, consult a licensed financial or tax advisor. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! Tap "Deposit checks" and choose the account where you want your deposit to go. 00), using the mySpruce app, or by visiting the Spruce kiosk at one of our partner locations. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. Were sorry to hear about the poor customer service experience you had and wed like to help! See Spending Account Agreement for details. I called their toll free number to close down my account since theres NO WAY Im going to trust this company or banking app with my info, let alone my money, and SURPRISE !! 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. Additional time commitments outside of class, including homework, will vary by student. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Get started today See all features Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Earn cash back when you spend at select retailers. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. There's also a fee if you go inside a another bank and withdraw cash with a teller. 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. Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Negative balances are .