Spruce is the mobile banking app for you. Took 1 week to get my money back. We're back with some exciting additions and updates to Spruce!First up, we've made it even easier for you to set up payroll direct deposit straight from the app. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bank deposit accounts, such as checking and . Emerald Card Retail Reload Providers may charge a convenience fee. Provide basic information: Be prepared to provide your email address, name, and phone number. Consult your own attorney for legal advice. Spruce fintech platform is built by H&R Block, which is not a bank. I would run from these people. Conditions apply. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Limited time offer at participating locations. Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. Spruce has no monthly fees, no sign-up fees, no overdraf. Data privacy and security practices may vary based on your use, region, and age. Additional information can be found by visiting www.metafinancialgroup.com. Get location hours, directions, customer service numbers and available banking services. No problems whatsoever.til today. $50 will be deposited within 14 business days after completing all requirements. Most state programs available in January; software release dates vary by state. 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 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. - Get your Federal Refund Early! 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. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. of Bank products and services are offered by Pathward, N.A. Spruce is a new fintech platform created by the tax preparation company H&R Block. . A separate agreement is required for all Tax Audit & Notice Services. No monthly fees. Stay on top of your score, get score insights, and better understand your credit score. FICOis a trademark of Fair Isaac Corporation. 2022 HRB Tax Group, Inc. A Power of Attorney may be required for some Tax Audit & Notice Services. They had to activate the card themselves and set the pin number so they had my pin and all my info. 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 . Additional fees apply for tax expert support. Thank you! May be changed or discontinued at any time. Offer valid only for 6-Month TSB CD Special. You could receive a $50 bonus and get paid two days early. The Income Tax Course consists of 62 hours of instruction at the federal level, 68 hours of instruction in Maryland, 80 hours of instruction in California, and 81 hours of instruction in Oregon. Never even asked for this and here I am with no insight on when Ill be able to access the money. My only real complaint is there isnt a specific section to see my pending deposits they kind of just show up (unless I havent found where to see that information yet). H&R Block Free Online is for simple returns only. H&R Block is not a bank. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. See how Spruce makes security a top priority. Bill pay, mobile deposit, and multiple transfer options to help you send money quickly and conveniently Personalized support through our Branch network, Live Chat assistants, ITM services and Customer Contact Center Explore your options to see the different features and benefits that come with each account: Evergreen Checking Northwest Checking Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early 1, and earn cash back rewards at select retailers. Audit services only available at participating offices. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. 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. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. State restrictions may apply. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Accounts may be opened through the Spruce app and on the Spruce website. This course is not open to any persons who are currently employed by or seeking employment with any professional tax preparation company or organization other than H&R Block. Saving goals. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). When you use Spruce, it's easy to set and monitor your progress toward financial goals. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. If you use your debit card at select retailers, you'll get cash-back rewards deposited into your account. Is this a joke ?? out Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 4 Early access to funds depends on the timing of the payers submission of the payment. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Are you a journalist or member of the media with a question or request? We connect to your payroll provider, and you choose how much you'd like to deposit into Spruce each time you get paid.The next feature is the Watchlist, a quick and easy way to track your month-to-date spending by category. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. At an office, at home, or both, well do the work. To do this, many or all of the products featured here may be from our partners. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. To begin, you will need to register your Spruce account online. See, Important Terms, Conditions and Limitations apply. 00), using the mySpruce app, or by visiting the Spruce kiosk at one of our partner locations. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. 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. Thank you! If you're more concerned with earning interest, it'll be a toss-up between Chime or One. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Great news! This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. You can snag your $50 bonus just for receiving qualified direct deposits. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Cards issued pursuant to license by Mastercard. More information is available at sprucemoney.com. 2022 HRB Tax Group, Inc. 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? 2nd red flag !! Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Courtesy of Spruce and for a limited time only, you can earn a $50 bonus when you open a new Spruce account and receive qualifying direct deposits during the offer period. FRA2. Special cannot be part of TSB CD laddering package. Year-round access may require an Emerald Savingsaccount. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Spruce isnt totally fee-free, however. It is not an extension of credit; it is a courtesy exercised at the banks discretion. 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. If your employer issues paper paychecks, you receive checks for rebates . February 03, 2022, 4:31 p.m. EST 6 Min Read. You don't want to lose it. Download the app: Spruce is a mobile-friendly platform. This means their mobile app does NOT sync with your phone or know who you are !!! Void where prohibited. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). At an office, at home, or both, well do the work. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. 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, its easy to set and monitor your progress toward financial goals. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.Here's how Spruce can help you be good with money:- No sign-up fees, no monthly fees, no credit check, and no minimum balance required. Tap "Front" and take a photo of the front of the check. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Get started today See all features To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. January 20, 2022 08:00 ET The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Take a photo of both the front and back of the check (make sure to . * - You're Protected With Courtesy Coverage. 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. Most state programs available in January; software release dates vary by state. Spruce is a financial technology platform built by H&R Block, which is not a bank. We also get your email address to automatically create an account for you in our website. Additional fees may apply. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. Limitations apply. State e-file not available in NH. Check the Spruce app for offer availability. See Spending Account Agreement for details. She is based in Los Angeles. OBTP#B13696. Description of benefits and details at. Saving goals. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. I downloaded the app and applied for account. H&R Block is a registered trademark of HRB Innovations, Inc. TurboTaxand Quickenare registered trademarks of Intuit, Inc. TaxActis a registered trademark of TaxAct, Inc. Windowsis a registered trademark of Microsoft Corporation. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. But the app and site refuse to even allow me to sign up. The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. 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. However, the Spending and Savings accounts are FDIC insured through Spruce's. Bank products and services are offered by Pathward, N.A. H&R Block Free Online is for simple returns only. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. Rince and repeat. Chime is a financial technology company, not a bank. Some steps to deposit an online check may include: Sign into your selected banking mobile app. Its your credit make sure youre in charge. No minimum balance. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. OPEN AN ACCOUNT Table of Contents What Is Spruce? Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. Spruce is a financial technology platform built by H&R Block, which is not a bank. 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. Additional fees apply for tax expert support. LearnMore. Copyright 2023 Apple Inc. All rights reserved. how about NO !! BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. Bank products by Pathward, N.A., Member FDIC. If you are looking for a platform that has been around long enough to work out any issues, If you are looking for a bank with more name recognition and attractive APYs for your savings, consider, Best Checking Accounts for Military Members, Best Bank Accounts To Get Your Tax Refund Or Direct Deposit Early. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. I get a call center in a foreign country.. Philippines !! 2 Get a $50 bonus when you receive qualifying direct deposits. All Rights Reserved. Offers vary by user, merchant location and offer period. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Line balance must be paid down to zero by February 15 each year. Receive your federal tax refund up to 5 days early, ** get paychecks up to two days early, 1 and earn automatic cash back rewards at select retailers. II. At The College Investor, we want to help you navigate your finances. Fees apply. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Among the dozens of newish fintech platforms Ive examined and reviewed over the past year or two, Spruce stands out for its simplicity, usefulness, and transparent fee structure. Here's how Spruce can help you be good with money: - No sign-up fees, no monthly fees, no credit check, and no minimum balance required. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers, 1 and get paychecks up to two days early. How Do I Contact 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. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. You can customize goals, start saving, and begin tracking your progress. There are more than 10,000 retailers that offer rewards. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. No sign-up fees. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. If you use your debit card often, these deposits can really add up over time. 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. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. Tax Audit & Notice Services include tax advice only. See, Important Terms, Conditions and Limitations apply. If you had to think for even a moment about how to answer, you might be ready for a change. 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. Money deposited in your account will be safe. OBTP#B13696. 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 ? The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. They say it works with PayPal, cashapp, venmo etc..and it doesn't. There are limits on the total amount you can transfer and how often you can request transfers. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. Other restrictions apply; terms and conditions apply. Year-round access may require an Emerald Savingsaccount. Youve been warned !! No one can help me or give me information. 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. 1 Spruce Rewards are powered by Dosh. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. A mobile banking app for people who want to make the most of their refund. Refund claims must be made during the calendar year in which the return was prepared. See Spending Account Agreement for details. The Spruce mobile banking app can be downloaded in app stores. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. 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. Whatever youre saving for, set personalized goals, start adding money, and track your progress. 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. 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. 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. Earn cash back when you spend at select retailers. HOW WHEN I NEVER GOT IT!!! Void where prohibited. 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.
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