The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Cash back rewards. See Spending Account Agreement for details. Amended tax returns not included in flat fees. Yes. Thank you! Spruce is a mobile banking app for people who want to be better with money. 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. * No monthly fees. Bank products and services are offered by Pathward, N.A. . Copyright 2022-2023 HRB Digital LLC. 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. The perks include automatic cash back and early direct deposit. Bank products by Pathward, N.A., Member FDIC. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Valid at participating locations only. Limited time offer at participating locations. Additional fees may apply. Thank you! Enrolled Agents do not provide legal representation; signed Power of Attorney required. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. There are limits on the total amount you can transfer and how often you can request transfers. 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Credit Repair Explained: Should You Pay For Help? Refund claims must be made during the calendar year in which the return was prepared. FICOis a trademark of Fair Isaac Corporation. 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. Discover money tips & financial resources. What Does It Offer? Spruce fintech platform is built by H&R Block, which is not a bank. See www.SpruceMoney.com/fees for details. Check the app for offers. There are limits on the total amount you can transfer and how often you can request transfers. Additional fees apply for tax expert support. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Make money when you spend money at select retailers. All Rights Reserved. DE, HI and VT do not support part-year/nonresident individual forms. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. It does nothing !! This card and service is downright awful. Credit score is FICO Score 8 based on Experian data. Youre welcome to contact our media team about your story. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. References to products, offers, and rates from third party sites often change. 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. Select the account for deposit and enter the check amount. Spruce fintech platform is built by H&R Block, which is not a bank. E-file fees do not apply to NY state returns. H&R Block Free Online is for simple returns only. Any investing information provided on this page is for educational purposes only. All tax situations are different. Fees apply. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Terms and conditions apply; see. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Cards issued pursuant to license by Mastercard. Member FDIC, provides the financial know-how that many Americans urgently need. Accounts may be opened through the Spruce app and on the Spruce website. Line balance must be paid down to zero by February 15 each year. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. I would run from these people. $50 will be deposited within 14 business days after completing all requirements. No minimum balance. Accounts may be opened through the Spruce app and on the Spruce website. Emerald Card Retail Reload Providers may charge a convenience fee. How Do I Contact Spruce? If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Supporting Identification Documents must be original or copies certified by the issuing agency. Pathward does not charge a fee for this service; please see your bank for details on its fees. No sign-up fees. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. It is not an extension of credit; it is a courtesy exercised at our discretion. Enrollment restrictions apply. All Rights Reserved. You are responsible for tax treatment of funds. 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. A qualifying expected tax refund and e-filing are required. 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. With no sign-up fees or maintenance fees, no minimum balance requirements, and a generous cash-back program, its fantastic for day-to-day money management. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. # Spruce Rewards powered by Dosh. 1 Spruce Rewards are powered by Dosh. Spruce has no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs4Go to disclaimer for more details all around the country. Spruce fintech platform is built by H&R Block, which is not a bank. You might be able to use a portion of your home's value to spruce it up or pay other bills with a Home Equity Line of Credit. The student will be required to return all course materials. No problems whatsoever.til today. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. Here's how Spruce. * - You're Protected With Courtesy Coverage. Spruce is a financial technology platform built by H&R Block, which is not a bank. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. FICOis a trademark of Fair Isaac Corporation. State e-file not available in NH. 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. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. Spruce fintech platform is built by H&R Block, which is not a bank. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). MetaBank strives to remove barriers to financial access and promote economic mobility by working with third parties to provide responsible, secure, high quality financial products that contribute to the social and economic benefit of communities at the core of the real economy. ; it is not your tax refund. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 3 There is no fee to withdraw money at Allpoint ATMs. Other restrictions apply; terms and conditions apply. In some cases, we receive a commission from our partners; however, our opinions are our own. More information is available at sprucemoney.com. This means their mobile app does NOT sync with your phone or know who you are !!! 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 !! The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. May be modified or discontinued at any time. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. Tax returns may be e-filed without applying for this loan. Transfer funds: If you have a funding account, be ready to provide that information. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Saving goals. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Line balance must be paid down to zero by February 15 each year. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. A Power of Attorney may be required for some Tax Audit & Notice Services. Spruce is a financial technology platform built by H&R Block, which is not a bank. Customer service is available over-the-phone or online from 5 a.m. to midnight CT. We usually include ratings from the Better Business Bureau to help indicate how a business deal with customer issues and handles transparency. Learn how to keep it safe. 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 ?? Most personal state programs available in January; release dates vary by state.