Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. Its like its disabled ?? Spruce users can access more than 55,000 ATMs nationwide without fees. SpruceSM Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Pathward does not charge a fee for this service; please see your bank for details on its fees. No monthly fees, no sign-up fees, no minimum balance requirement. Endorse your check, then tap "Next". ^ Does not change IRS refund processing speed. Negative balances are limited to $20 and must be repaid within 30 days. State restrictions may apply. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. DO NOT Sell My Personal Information. The Spruce Spending Account is a solid free account. Provide basic information: Be prepared to provide your email address, name, and phone number. Spruce is a Mobile Banking App and includes a Debit Card with Benefits . You dont have to take our word for it (or H&R Blocks). At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . A Red Ventures company. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Spruce demonstrates how H&R Block continues to expand into key adjacencies, such as fintech, and is one more way in which the company is helping customers achieve year-round financial confidence. 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. Cards issued pursuant to license by Mastercard. . 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. All deposit accounts through Pathward are FDIC insured. Additional training or testing may be required in CA, OR, and other states. $20 bonus if you meet the requirements and open an account before April 20, 2022. Fees apply to Emerald Card bill pay service. of 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. You could receive a $50 bonus and get paid two days early. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. 3 There is no fee to withdraw money at Allpoint ATMs. Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. 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. Enter the deposit amount. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. Receive your federal refund up to 5 days early with Spruce. At an office, at home, or both, well do the work. Spruce Mobile Banking - Get Better with Money | H&R Block We compared Spruce Banking to two other online banking platforms: Chime and One. It was recommended to me when I visited H&R block to do my taxes. Additional qualifications may be required. - Credit Score. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. 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. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. Were sorry for the issue you encountered with Spruce, and wed like to help. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. At which point it takes me right back to the log in screen. *Go to disclaimer for more details. I log in, email, password, and then a screen says nice let's set up your account. Emerald Card Retail Reload Providers may charge a convenience fee. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Original supporting documentation for dependents must be included in the application. 3 There is no fee to withdraw money at Allpoint ATMs. . 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. See Spruce Rewards powered by Dosh Terms for details. Message and data rates may apply. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? 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. You are required to meet government requirements to receive your ITIN. Additional fees apply for tax expert support. MetaBank has a B rating because it has 775 complaints filed against the business. You can set up individual financial goals through the account and evaluate them through charts that track your progress. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. I was at least able to get access to the money to pull it all off. Limited time offer at participating locations. Tax Audit & Notice Services include tax advice only. 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. Spruce is a financial technology platform that combines the best features of leading neo-banks with H&R Blocks trusted brand, our 66-year history, and the insights weve gained from helping millions of customers every year. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. 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. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. I decided why not and filed my taxes to get my direct deposit into my new spruce account. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Spruce - Mobile banking is quiet safe to use but use with caution. File yourself or with a small business certified tax professional. ; it is not your tax refund. See Spruce Rewards powered by Dosh Terms for details. HOW WHEN I NEVER GOT IT!!! Again, Spruce generally makes funds available when it receives payment instructions, which can come up to 2 days ahead of your scheduled payday. Spruce fintech platform is built by H&R Block, which is not a bank. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Cash back will be deposited in your Savings Account. Once your account is created, you'll be logged-in to this account. See, Important Terms, Conditions and Limitations apply. All deposit accounts through Pathward are FDIC insured. A Power of Attorney may be required for some Tax Audit & Notice Services. Wylie | Chase Bank FICOis a trademark of Fair Isaac Corporation. Your wireless carrier may charge a fee for text messaging or data usage. No minimum balance. 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. We're back with some exciting additions and updates to Spruce! Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Thank you! Line balance must be paid down to zero by February 15 each year. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. . Spruce fintech platform is built by H&R Block, which is not a bank. Fees for other optional products or product features may apply. As a Spruce member, youll pay no fees to withdraw funds from Allpoint ATMs, of which there are thousands around the United States. I first got this app and the card for my tax refund. ; it is not your tax refund. out 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 !! You're saving it. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Spruce has dozens of 5-star reviews in the App Store and numerous 4- and 5-star reviews from banking experts who review apps like Spruce for a living. Whoever is working the IT side of things for this digital product is a grade-A grifter extracting value from the economy without contributing anything to it. Data privacy and security practices may vary based on your use, region, and age. 1 Spruce Rewards are powered by Dosh. 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 . Limitations apply. Refund Transfer is a bank deposit product, not a loan. 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. Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Chime is a financial technology company, not a bank. 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). They tell me they can see the account and all my info matches but I have no access to my money. Spruce is the mobile banking app for you. It is not an extension of credit; it is a courtesy exercised at the banks discretion. 4 Early access to funds depends on the timing of the payers submission of the payment. Pathward does not charge a fee for this service; please see your bank for details on its fees. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). But the app and site refuse to even allow me to sign up. Let us know. State e-file not available in NH. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! Some steps to deposit an online check may include: Sign into your selected banking mobile app. Spruce - Mobile banking Reviews 2023 | JustUseApp Reviews Thanks for your review! See Spruce Rewards powered by Dosh Terms for details. Seriously ?? Terms and conditions apply; see. Well you can add money to spruce but good luck getting any money out of spruce. # Spruce Rewards powered by Dosh. 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. 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. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. It is not an extension of credit; it is a courtesy exercised at our discretion. 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. . The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. If A Deposit Is Pending, Can I Use The Money? - Be The Budget Supporting Identification Documents must be original or copies certified by the issuing agency. Access your favorite topics in a personalized feed while you're on the go. Were sorry for the issue you encountered with Spruce, and wed like to help. 0 Get a $50 bonus when you receive qualifying direct deposits. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Well help you understand the factors that make up your credit score, show how youre doing in each area, and give you tips that could help bring up your score.5Go to disclaimer for more details, Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.6Go to disclaimer for more details. It is not an extension of credit; it is a courtesy exercised at the banks discretion. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. . Requires opt in and $200 in qualifying deposits over prior 35-day period. Additional terms and restrictions apply; See. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list, 3.75 out of NEW OFFER! H&R Block Free Online is for simple returns only. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Accounts may be opened through the Spruce app and on the Spruce website. A separate agreement is required for all Tax Audit & Notice Services. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Your wireless carrier may charge a fee for text messaging or data usage. 5 Stars, 3.75 ~ - Personalized Saving Goals. 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. Spruce fintech platform is built by H&R Block, which is not a bank. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. These are the most notable: No fintech app is perfect. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. Find a Chase branch and ATM in Wylie, Texas. All deposit accounts through Pathward are FDIC insured. Amended tax returns not included in flat fees. This isnt guaranteed because Spruce has no control over the IRS, but Spruce does make funds available as soon as it receives payment instructions for your refund which can happen as early as 5 days before the deposit would normally appear in your account. 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. * Get started See bonus details Spruce fintech platform is built by H&R Block, which is not a bank. . Thank you! Any investing information provided on this page is for educational purposes only. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. There are limits on the total amount you can transfer and how often you can request transfers. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Sophia Acevedo is a banking reporter at Insider. MetaBank works to increase financial availability, choice, and opportunity for all. She is also a Certified Educator in Personal Finance (CEPF). 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 Other restrictions apply; terms and conditions apply. A Red Ventures company. 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. Select the account for deposit and enter the check amount. To qualify for the H&R Block Maximum Refund Guarantee, the refund claim must be made during the calendar year in which the return was prepared and the larger refund or smaller tax liability must not be due to incomplete, inaccurate, or inconsistent information supplied by you, positions taken by you, your choice not to claim a deduction or credit, conflicting tax laws, or changes in tax laws after January 1, 2022. Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. 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. 5 Stars, 4.25 All Rights Reserved. State e-file not available in NH. It does nothing !! 5 Stars. Here's a list of US bank holidays for 2023, These banks and credit unions allow you to exchange foreign currency at a branch, over the phone, or online, Four reasons why your debit card might be denied even when you have money. 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. Fees may reduce earnings. . You can file your return and receive your refund without applying for a Refund Transfer. Spruce is a mobile banking app for people who want to be better with money. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice. Emergency fund? Negative balances are limited to $20 and must be repaid within 30 days. Spruce offers a spending account with a debit card, as well as a connected savings account, to anyone, whether or not they are clients of H&R Block's tax-prep service. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. You can also see up financial goals through their different savings features. Additional fees and restrictions may apply. Minimum monthly payments apply. Negative balances are limited to $20 and must be repaid within 30 days. SpruceSM Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Other restrictions apply; terms and conditions apply. Earn cash back when you spend at select retailers. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. - Cash Back. A pending deposit is money that has been deposited into a bank account but has not yet been authorized for use. Spruce Mobile Banking Platform | H&R Block Newsroom When you use Spruce, it's easy to set and monitor your progress toward financial goals. Original supporting documentation for dependents must be included in the application. There is no tuition fee for the H&R Block Income Tax Course; however, you may be required to purchase course materials, which may be non-refundable. If you had to think for even a moment about how to answer, you might be ready for a change. Took 1 week to get my money back. All tax situations are different. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 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. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Fees apply. H&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. 2022 HRB Tax Group, Inc. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. You can customize goals, start saving, and begin tracking your progress. Are There Any Fees? We may have financial relationships with some of the companies mentioned on this website. Bank deposit accounts, such as checking and . 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. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. Copyright 2023 Apple Inc. All rights reserved. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. H&R Block does not provide immigration services. Copyright 2022-2023 HRB Digital LLC. To qualify for the H&R Block Maximum Refund Guarantee, the refund claim must be made during the calendar year in which the return was prepared and the larger refund or smaller tax liability must not be due to incomplete, inaccurate, or inconsistent information supplied by you, positions taken by you, your choice not to claim a deduction or credit, conflicting tax laws, or changes in tax laws after January 1, 2022. E-file fees do not apply to NY state returns. Get the latest tips you need to manage your money delivered to you biweekly. Member FDIC, provides the financial know-how that many Americans urgently need. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. Have funds and absolutely NO access to them. Enrolled Agents do not provide legal representation; signed Power of Attorney required. But if youre in the market for a new way to spend and save, its definitely worth a close look. See, Important Terms, Conditions and Limitations apply. Update: HRBlock called me finally and kinda fixed the situation but not entirely. Offer valid only for 6-Month TSB CD Special. Brian Martucci writes about credit cards, banking, insurance, travel, and more. You can download the app for iOS and Android. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. However, the Spending and Savings accounts are FDIC insured through Spruce's. Year-round access may require an Emerald Savingsaccount. The perks include automatic cash back and early direct deposit. 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?
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