spruce bank mobile deposit

Spruce is the mobile banking app for you. But if youre in the market for a new way to spend and save, its definitely worth a close look. A separate agreement is required for all Tax Audit & Notice Services. ; it is not your tax refund. Most personal state programs available in January; release dates vary by state. Valid at participating locations only. Available only at participating H&R Block offices. Creating and launching Spruce is a huge milestone for our company as we continue to execute on our transformation and growth strategy, Block Horizons 2025., Spruce is a Mobile Banking App and includes a Debit Card with Benefits, For decades, our core tax customers have been hard-working Americans who are trying to make ends meet. I decided why not and filed my taxes to get my direct deposit into my new spruce account. It does nothing !! Spruce has no monthly fees, no sign-up fees, no overdraf. E-file fees do not apply to NY state returns. MetaBank works to increase financial availability, choice, and opportunity for all. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. H&R Block, Bankrates 2023 winner for Best Overall Online Tax Filing Software. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. Cash-back rewards are provided by Dosh. Thank you! Umm. DO NOT Sell My Personal Information. Were sorry to hear about the poor customer service experience you had and wed like to help! Make sure you have some later too. 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. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. 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Credit Repair Explained: Should You Pay For Help? Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. 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 !! So whatever the problem is, it's on y'all's end. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. Were sorry for the issue you encountered with Spruce, and wed like to help. The developer, HRB Tax Group, Inc., indicated that the apps privacy practices may include handling of data as described below. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Valid at participating locations only. How Do I Contact Spruce? * No monthly fees. Additional information can be found by visiting www.metafinancialgroup.com. Amended tax returns not included in flat fees. Consult your own attorney for legal advice. Form your business and you could get potential tax savings. You can snag your $50 bonus just for receiving qualified direct deposits. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. No problems whatsoever.til today. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. 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 ?? Additional training or testing may be required in CA, OR, and other states. Additional terms and restrictions apply; See. Is this a joke ?? Our customers already trust us with their most personal financial details when we help them file their taxes, and we created the Spruce solution to help address their unmet banking needs, too.. Line balance must be paid down to zero by February 15 each year. 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. *Go to disclaimer for more details. Its like its disabled ?? Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Audit services constitute tax advice only. Refund Transfer is a bank deposit product, not a loan. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. E-file fees do not apply to NY state returns. Additional qualifications may be required. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Original supporting documentation for dependents must be included in the application. No one can help me or give me information. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Bank products by Pathward, N.A., Member FDIC. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. 1 Spruce Rewards are powered by Dosh. See. From paying for school to buying a car, Spruce also has options to set up automatic transfers towards savings. KANSAS CITY, MO. 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. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. See Spending Account Agreement for details. You could receive a $50 bonus and get paid two days early. Justuseapp Safety Score for Spruce Is 29.7/100. No sign-up fees. 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. 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. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. 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. No credit check to apply. Enter the deposit amount. 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. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. Conditions apply. Some steps to deposit an online check may include: Sign into your selected banking mobile app. Take a photo of both the front and back of the check (make sure to . Minimum balance of $5,000 required to open account and obtain the APY. State e-file not available in NH. Spruce has no sign-up fees, no monthly maintenance fees, and no minimum balance requirements. A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. H&R Block created Spruce to address this gap and bolster financial inclusion by helping people build healthy financial habits every day. Early access depends on when payment is submitted. Bank products by Pathward, N.A., Member FDIC. At the moment, Spruce doesnt offer early deposit for state tax refunds. 5 Credit score is FICOScore 8 based on Experian data. Were sorry for the issue you encountered with Spruce, and wed like to help. The Spruce mobile banking app can be downloaded in app stores. We believe in a future with equitable access to easy and affordable banking. Learn how to keep it safe. 2 Get a $50 bonus when you receive qualifying direct deposits. We believe in a future with equitable access to easy and affordable banking. Description of benefits and details at. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . To begin, you will need to register your Spruce account online. Member FDIC, provides the financial know-how that many Americans urgently need. State e-file available for $19.95. All Rights Reserved. Earn cash back when you spend at select retailers. ; it is not your tax refund. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. $50 will be deposited within 14 business days after completing all requirements. This card and service is downright awful. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Not safe, not secure and no one can really help you. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Tax Audit & Notice Services include tax advice only. 3 There is no fee to withdraw money at Allpoint ATMs. A Red Ventures company. Let a professional handle your small business books. out You can also see up financial goals through their different savings features. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Additional fees and restrictions may apply. The developer provided this information and may update it over time. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. And the lady I spoke with, didnt even have the ability to close down my account ?!?! CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. CAA service not available at all locations. Update: HRBlock called me finally and kinda fixed the situation but not entirely. 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. She is based in Los Angeles. Once the transaction settles, youll receive the difference in your Savings account. how about NO !! However, the Spending and Savings accounts are FDIC insured through Spruce's. Supporting Identification Documents must be original or copies certified by the issuing agency. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. 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. Negative balances are limited to . This is a HUGE security risk and the first red flag !! White Collar criminals. It is a discretionary courtesy, not an extension of credit. 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. Direct Deposit Required: Yes Payroll services and support to keep you compliant. State e-file not available in NH. Personal state programs are $39.95 each (state e-file available for $19.95). There are limits on the total amount you can transfer and how often you can request transfers. I was at least able to get access to the money to pull it all off. Spruce has few fees. Consult an attorney for legal advice. State e-file available for $19.95. Not a 1 star for the app as much as the card and company itself. 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. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. (member FDIC). A passport that doesnt have a date of entry wont be accepted as a stand-alone identification document for dependents. 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). 5 Stars, 3.75 - Round Up. Check the Spruce app for offer availability. Make money when you spend money at select retailers. All tax situations are different. Negative balances are . Penalty for early withdrawal. Most state programs available in January; software release dates vary by state. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. 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. DE, HI and VT do not support part-year/nonresident individual forms. Limited time offer at participating locations. Do your checking and savings account help you manage your money as efficiently as youd like? Message and data rates may apply. May be modified or discontinued at any time. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). HOW WHEN I NEVER GOT IT!!! This is an optional tax refund-related loan from Pathward, N.A. Have funds and absolutely NO access to them. Refund claims must be made during the calendar year in which the return was prepared. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. out Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Terrible service. Bank products and services are offered by Pathward, N.A. All deposit accounts through Pathward are FDIC insured. OPEN AN ACCOUNT Table of Contents What Is Spruce? Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. You are required to meet government requirements to receive your ITIN. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. Cash back offers and amounts may vary by user, merchant location and offer period. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 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. 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). H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. Year-round access may require an Emerald Savingsaccount. * Get started See bonus details Spruce fintech platform is built by H&R Block, which is not a bank. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. One pays the highest interest rate of all three platforms, but the amount you'll earn will vary depending on your account balance. 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. This is an optional tax refund-related loan from Pathward, N.A. Additional training or testing may be required in CA, OR, and other states. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! Year-round access may require an Emerald Savingsaccount. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Spruce Accounts may not be closed or restricted at payout. Spruce has some other key benefits. 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. - Get your Federal Refund Early! Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. You can file your return and receive your refund without applying for a Refund Transfer. H&R Block is not a bank. See. 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. See how Spruce makes security a top priority. BBB ratings won't necessarily guarantee your relationship with a bank will be perfect, though. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. 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. 1 Spruce Rewards are powered by Dosh. Tax Audit & Notice Services include tax advice only. NEW OFFER! . Spruce is a Mobile Banking App and includes a Debit Card with Benefits . 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. 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. 2023 Bankrate, LLC. References to products, offers, and rates from third party sites often change. See your. 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. See, Important Terms, Conditions and Limitations apply. 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. *Go to disclaimer for more details. By clicking Sign up, you agree to receive marketing emails from Insider Spruce is a mobile banking platform built and backed by H&R Block. Well you can add money to spruce but good luck getting any money out of spruce. *Go to disclaimer for more details. Negative balances are limited to $20 and must be repaid within 30 days. All tax situations are different. You're saving it. Consult an attorney for legal advice. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Accounts may be opened through the Spruce app and on the Spruce website. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. Stay on top of your score, get score insights, and better understand your credit score. You don't want to lose it. Offer from H&R Block. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. Spruce is a new fintech platform created by the tax preparation company H&R Block . Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Additional fees apply for tax expert support. Whatever youre saving for, set personalized goals, start adding money, and track your progress. Millions of Americans do not have adequate banking solutions which makes it more difficult for them to maintain financial stability. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. I liked the setup so much I used it to get my paycheck. Comparison based on regular price for standard paid DIY products on turbotax.com as of 3/1/2023. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities. of When you turn on the Round Up feature in your account, Spruce rounds up the value of every purchase and ATM transaction to the next dollar. H&R Block Maine License Number: FRA2. of Fees apply. See Spending Account Agreement for details. 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. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. Available only at participating H&R Block offices. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Most state programs available in January; software release dates vary by state. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Visit the resource center for money tips and financial knowledge. Additional fees may apply. Never even asked for this and here I am with no insight on when Ill be able to access the money. This means their mobile app does NOT sync with your phone or know who you are !!! Last month, Block teamed up with Meta Financial's MetaBank to introduce Spruce, which gives clients a spending account, a debit card, and a mobile app, along with a connected savings . February 03, 2022, 4:31 p.m. EST 6 Min Read. 2023 Bankrate, LLC. Thanks for your review! 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. 2023 Money Crashers, 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. Access your favorite topics in a personalized feed while you're on the go. Endorse your check, then tap "Next". Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. With no sign-up fees or maintenance fees, no minimum balance requirements, and a generous cash-back program, its fantastic for day-to-day money management. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Seriously ?? Limited time offer at participating locations. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Tax returns may be e-filed without applying for this loan. Having an ITIN does not change your immigration status. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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. Bank products and services are offered by Pathward, N.A. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). 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. Chime is a financial technology company, not a bank. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. I have called 3 times and had 3 different cards issued to me and have yet to receive 1. 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. 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. 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. You dont have to activate your offers though. Spruce isnt totally fee-free, however. 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. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. When you use Spruce, its easy to set and monitor your progress toward financial goals. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Refresh your finances with Spruce, a mobile banking app built by H&R Block. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. 2 Other fees apply for certain uses of the Spruce debit card and accounts. 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.

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