of So whatever the problem is, it's on y'all's end. Stay on top of your score, get score insights, and better understand your credit score. All deposit accounts through Pathward are FDIC insured. Supporting Identification Documents must be original or copies certified by the issuing agency. . However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. Well you can add money to spruce but good luck getting any money out of spruce. Our opinions are our own. All Rights Reserved. State e-file not available in NH. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Visit the resource center for money tips and financial knowledge. Limit one per customer. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. Consult your own attorney for legal advice. 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. At an office, at home, or both, well do the work. Check the Spruce app for offer availability. Negative balances are limited to $20 and must be repaid within 30 days. 2022 HRB Tax Group, Inc. Tax Audit & Notice Services include tax advice only. Spruce is the mobile banking app for you. of To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. See, Important Terms, Conditions and Limitations apply. 2022 HRB Tax Group, Inc. No credit check to apply. Discover money tips & financial resources. 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. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. 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. At an office, at home, or both, well do the work. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Update: HRBlock called me finally and kinda fixed the situation but not entirely. Pathward does not charge a fee for this service; please see your bank for details on its fees. Cash-back rewards are provided by Dosh. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Here's how Spruce. 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. The perks include automatic cash back and early direct deposit. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. - Credit Score. 5 Stars. We appreciate it and you for being a part of the Spruce community. Cash back rewards. 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. 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. In some cases, we receive a commission from our partners; however, our opinions are our own. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. Endorse your check, then tap "Next". 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. But if youre in the market for a new way to spend and save, its definitely worth a close look. Learn about how Spruce can help you keep your data and funds safe. HRB Maine License No. While the Spruce mobile banking offering is new to the marketplace, H&R Block has been offering clients access to quality financial products and services for decades. Is this a joke ?? Terms and conditions apply; see. 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 ?? See Spending Account Agreement for details. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. You can also see up financial goals through their different savings features. Fees apply. GET PAID UP TO TWO DAYS EARLY Enroll in direct deposit to access your paycheck sooner. FREE CREDIT SCORE Understand what makes up your credit score, how different . 4 Early access to funds depends on the timing of the payers submission of the payment. 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. No sign-up fees. Valid at participating locations only. At the moment, Spruce doesnt offer early deposit for state tax refunds. Get the latest tips you need to manage your money delivered to you biweekly. Bank products and services are offered by Pathward, N.A. Theyre ridiculous and customer service is awful. Spruce is a financial technology platform built by H&R Block, which is not a bank. An ITIN is an identification number issued by the U.S. government for tax reporting only. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Message and data rates may apply. *Go to disclaimer for more details, Get your paycheck up to two days early with direct deposit.2Go to disclaimer for more details, Get automatic cash back rewards at select retailers.1Go to disclaimer for more details. Check the app for offers. You dont have to take our word for it (or H&R Blocks). It allows you to overdraw your Spending account up to $20 at Spruces sole discretion for debit card purchase transactions, over-the-counter cash withdrawals, and ATM withdrawals. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. H&R Block does not provide immigration services. Thanks for your feedback! Spruce Mobile Banking $20 Direct Deposit Bonus Earn a $20 bonus when you open a Spruce Spending and Savings Account with qualifying activity. Let a professional handle your small business books. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. A qualifying expected tax refund and e-filing are required. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Spruce is a mobile banking platform that doesnt come with any monthly fees. . Thanks for your review! Void where prohibited. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. To do this, many or all of the products featured here may be from our partners. Bank products by Pathward, N.A., Member FDIC. 1 Spruce Rewards are powered by Dosh. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Additional fees apply for tax expert support. * No monthly fees. Emerald Card Retail Reload Providers may charge a convenience fee. I decided why not and filed my taxes to get my direct deposit into my new spruce account. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. Brian Martucci writes about credit cards, banking, insurance, travel, and more. I was at least able to get access to the money to pull it all off. Payroll services and support to keep you compliant. Umm. Were sorry for the issue you encountered with Spruce, and wed like to help. 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. Safety starts with understanding how developers collect and share your data. H&R Block is not a bank. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Spruce Accounts may not be closed or restricted at payout. 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. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. # Spruce Rewards powered by Dosh. how about NO !! No one can help me or give me information. 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. If you use your debit card often, these deposits can really add up over time. CAA service not available at all locations. 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. 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. I liked the setup so much I used it to get my paycheck. The perks include automatic cash back and early direct deposit. 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Credit Repair Explained: Should You Pay For Help? Additional time commitments outside of class, including homework, will vary by student. Online bank vs online banking platform: Which is better for you? Were sorry to hear about the poor customer service experience you had and wed like to help! May be changed or discontinued at any time. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. 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. 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. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!!

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