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. 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. How Do I Contact Spruce? Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Spruce fintech platform is built by H&R Block, which is not a bank. Additional training or testing may be required in CA, OR, and other states. Spruce Banking Promotions: $20 Direct Deposit Bonus (Nationwide) - Ends Spruce Review A Mobile Banking Platform Built by H&R Block 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. * Offer from H&R Block. See www.SpruceMoney.com/fees for details. Supporting Identification Documents must be original or copies certified by the issuing agency. 2023 Money Crashers, LLC. 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. Bank products by Pathward, N.A., Member FDIC. The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. See, Important Terms, Conditions and Limitations apply. Our opinions are our own. Rince and repeat. Additional time commitments outside of class, including homework, will vary by student. Sophia Acevedo is a banking reporter at Insider. 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. Amended tax returns not included in flat fees. Spruce has few fees. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. $50 will be deposited within 14 business days after completing all requirements. A qualifying expected tax refund and e-filing are required. See Spruce Rewards powered by Dosh Terms for details. . A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Let us know. ~ - Personalized Saving Goals. Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. 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. We're back with some exciting additions and updates to Spruce! Original supporting documentation for dependents must be included in the application. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Never even asked for this and here I am with no insight on when Ill be able to access the money. Form your business and you could get potential tax savings. Get your federal tax refund up to five days early.7Go to disclaimer for more details, Score a $50 bonus when you receive qualifying direct deposits. Personal state programs are $39.95 each (state e-file available for $19.95). 2 Get a $50 bonus when you receive qualifying direct deposits. Most personal state programs available in January; release dates vary by state. Conditions apply. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. 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. No one can help me or give me information. Most state programs available in January; software release dates vary by state. Additional time commitments outside of class, including homework, will vary by student. 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. Youre welcome to contact our media team about your story. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Bank products by Pathward, N.A., Member FDIC. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. It does nothing !! 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. HRB Maine License No. Additional fees may apply. 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. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. To begin, you will need to register your Spruce account online. No credit check to apply. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. Editorial Note: https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. CAA service not available at all locations. These are the most notable: No fintech app is perfect. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. We also get your email address to automatically create an account for you in our website. Line balance must be paid down to zero by February 15 each year. See Spending Account Agreement for details. They say it works with PayPal, cashapp, venmo etc..and it doesn't. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 5 Stars, 4.25 out of With Spruce, you can receive your federal tax refund up to 5 days early. Were sorry to hear about the poor customer service experience you had and wed like to help! 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. Early access depends on when payment is submitted. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Conditions apply. how about NO !! Now put it to work for your future. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. 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. Spruce has no monthly fees, no sign-up fees, no overdraf. Additional fees apply for tax expert support. State e-file not available in NH. NEW OFFER! Make money when you spend money at select retailers. Fees apply. Void where prohibited. Online bank vs online banking platform: Which is better for you? 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. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. All three banking platforms require no minimum opening, deposit, or monthly fees. Dont do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. OPEN AN ACCOUNT Table of Contents What Is Spruce? Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 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. 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. Learn about how Spruce can help you keep your data and funds safe. I log in, email, password, and then a screen says nice let's set up your account. 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. All Rights Reserved. Message and data rates may apply. Justuseapp.com. Additional fees and restrictions may apply. 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. Were sorry for the issue you encountered with Spruce, and wed like to help. State restrictions may apply. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. You can use these tools to build (or rebuild) your credit on your own terms. 2022 HRB Tax Group, Inc. - Get your Federal Refund Early! You dont have to take our word for it (or H&R Blocks). Terrible service. 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. New car? Pay yourself when you spend and round up to the nearest dollar. Description of benefits and details at. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Check the Spruce app for offer availability. Spruce Accounts may not be closed or restricted at payout. 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 . Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. This is a HUGE security risk and the first red flag !! 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. Data privacy and security practices may vary based on your use, region, and age. 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. Pricing varies by location. If you use your debit card often, these deposits can really add up over time. Spruce users can access more than 55,000 ATMs nationwide without fees. Amended tax returns not included in flat fees. Take a photo of the back of the check. Additional fees may apply. References to products, offers, and rates from third party sites often change. Fees for other optional products or product features may apply. Is this a joke ?? Enter the deposit amount. 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. OBTP#B13696. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. 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. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Member FDIC, provides the financial know-how that many Americans urgently need. Copyright2022-2023 HRB Digital LLC. We have you on our list and we promise to only send you the good stuff. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. 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.
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