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Spruce was built by US tax preparation firm H&R Block The app, launched on 20 January 2022, includes a spending account with a debit card, a connected savings account that allows for specific budgeting goals, early paycheque availability and overdraft protection. Bank products by Pathward, N.A., Member FDIC. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Terrible service. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Additional fees and restrictions may apply. MetaBank works to increase financial availability, choice, and opportunity for all. 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. Wylie, Texas branches and ATMs | Chase Bank Its like its disabled ?? Saving goals. Copyright 2021-2023 HRB Digital LLC. ~ - Personalized Saving Goals. It is not an extension of credit; it is a courtesy exercised at the banks discretion. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. This includes the more than 21 million households that already turn to H&R Block for their most significant financial event of the year, their tax return. 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. How to Deposit a Check Online | Chase Once youre in the mobile app, if you try clicking on security notifications to choose how youd like your security set up, it doesnt do anything ? Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Cards issued pursuant to license by Mastercard. Spruce is a new fintech platform created by the tax preparation company H&R Block . Limitations apply. Transfer funds: If you have a funding account, be ready to provide that information. OPEN AN ACCOUNT Table of Contents What Is Spruce? 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. Message and data rates may apply. We have you on our list and we promise to only send you the good stuff. Consult an attorney for legal advice. 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. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. Refund Transfer is a bank deposit product, not a loan. No monthly fees. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. 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. They had to activate the card themselves and set the pin number so they had my pin and all my info. A qualifying expected tax refund and e-filing are required. Spruce - Mobile banking on the App Store Additional training or testing may be required in CA, OR, and other states. 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. Per Spruces fee schedule, you may incur fees for certain actions: Spruce has a lot of benefits, from its total lack of sign-up and maintenance fees to early tax refund and early payday for qualifying users and payers. 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. Thank you! Spruce Banking Bonuses: $20 Direct Deposit Promotion (Nationwide) 2023 Bankrate, LLC. This is an optional tax refund-related loan from Pathward, N.A. She is also a Certified Educator in Personal Finance (CEPF). Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Original supporting documentation for dependents must be included in the application. Any investing information provided on this page is for educational purposes only. See Spending Account Agreement for details. Limitations apply. . 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. Data privacy and security practices may vary based on your use, region, and age. State e-file not available in NH. Spruce Mobile Banking App | Spruce Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Are There Any Fees? LearnMore. . | Source: US mobile banking app Spruce launches powered by SoFi Technologies 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. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). During the Income Tax Course, should H&R Block learn of any students employment or intended employment with a competing professional tax preparation company, H&R Block reserves the right to immediately cancel the students enrollment. 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). If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Take a photo of both the front and back of the check (make sure to . When you deposit money into your checking or savings account, the money will show as 'pending' until the funds are verified and added to your available balance. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Your wireless carrier may charge a fee for text messaging or data usage. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Not safe, not secure and no one can really help you. Receive your federal refund up to 5 days early with Spruce. Terms and conditions apply; see. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Visit the resource center for money tips and financial knowledge. An ITIN is an identification number issued by the U.S. government for tax reporting only. You can set up individual financial goals through the account and evaluate them through charts that track your progress. Get a $50 bonus when you receive qualifying direct deposits with SpruceBecause it pays to be better with money. Well you can add money to spruce but good luck getting any money out of spruce. Once the transaction settles, youll receive the difference in your Savings account. 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. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. Refund Transfer is a bank deposit product, not a loan. - Cash Back. Original supporting documentation for dependents must be included in the application. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Bank products and services are offered by Pathward, N.A. KANSAS CITY, MO. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Through Dosh, its rewards partner, Spruce teams with over 10,000 retail locations, including many merchants grocery stores, restaurants, hotels you may already spend with. of State e-file not available in NH. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. But the app and site refuse to even allow me to sign up. Most state programs available in January; software release dates vary by state. A separate agreement is required for all Tax Audit & Notice Services. Additional fees apply for tax expert support. Provide basic information: Be prepared to provide your email address, name, and phone number. Having an ITIN does not change your immigration status. No sign-up fees. They tell me they can see the account and all my info matches but I have no access to my money. Spruce is a financial technology platform built by H&R Block, which is not a bank. All Rights Reserved. No minimum balance. Spruce Mobile Banking by H&R Block: $20 Sign-Up Bonus Spruce is a mobile banking platform built and backed by H&R Block. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Were sorry to hear about the poor customer service experience you had and wed like to help! Pricing varies by location. 00), using the mySpruce app, or by visiting the Spruce kiosk at one of our partner locations. Let a professional handle your small business books. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. 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. By authorizing H&R Block to e-file your tax return, or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . 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). (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. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Spruce - Mobile banking Reviews 2023 | JustUseApp Reviews 3 There is no fee to withdraw money at Allpoint ATMs. Negative balances are limited to . Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. It is not an extension of credit; it is a courtesy exercised at our discretion. 3 There is no fee to withdraw money at Allpoint ATMs. Saving goals. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. You have it. 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. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. When you use Spruce, its easy to set and monitor your progress toward financial goals. Offers vary by user, merchant location and offer period. I would run from these people. Fees for other optional products or product features may apply. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. State e-file not available in NH. NEW OFFER! 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. You'll want to look elsewhere for earning interest on your account, though. I first got this app and the card for my tax refund. This includes the more than 21 million households that already turn to H&R Block for their most significant financial event of the year, their tax return. To begin, you will need to register your Spruce account online. Audit services only available at participating offices. Spruce is a new fintech platform created by the tax preparation company H&R Block. - Get your Federal Refund Early! Conditions apply. Though H&R Block isn't a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Pay yourself when you spend and round up to the nearest dollar. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. State e-file available for $19.95. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. 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. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Spruce Mobile Banking Platform | H&R Block Newsroom Pathward does not charge a fee for this service; please see your bank for details on its fees. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. Terms and conditions apply; see. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. 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. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. FICO is a trademark of Fair Isaac Corporation. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Cards issued pursuant to license by Mastercard. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. . Requires opt in and $200 in qualifying deposits over prior 35-day period. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. OBTP#B13696. Amended tax returns not included in flat fees. Description of benefits and details at. The Spruce mobile banking app can be downloaded in app stores. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. A separate agreement is required for all Tax Audit & Notice Services. 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. 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. - Get your Federal Refund Early! Requires $200 in direct deposits over prior 35-day period, not including tax refunds. Spruce - Mobile banking - App Details, Features & Pricing [2022 Online & Mobile Banking App | American National Bank of Texas - ANBTX