6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. A Power of Attorney may be required for some Tax Audit & Notice Services. KANSAS CITY, MO. 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. Spruce Review A Mobile Banking Platform Built by H&R Block Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. 4 Early access to funds depends on the timing of the payers submission of the payment. Direct Deposit Required: Yes Once your account is created, you'll be logged-in to this account. 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. There are limits on the total amount you can transfer and how often you can request transfers. Cash-back rewards are provided by Dosh. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Safety starts with understanding how developers collect and share your data. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. 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. Visit the resource center for money tips and financial knowledge. Spruce - Mobile banking Reviews 2023 | JustUseApp Reviews Online bank vs online banking platform: Which is better for you? It does nothing !! Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Learn about how Spruce can help you keep your data and funds safe. 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. Once registered, you will be able to add money to your card through direct deposit, linking your Spruce card to your bank account (for a fee of $3. *Go to disclaimer for more 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,1Go to disclaimer for more details and get paychecks up to two days early.2Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. Download the app: Spruce is a mobile-friendly platform. 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. Enter the deposit amount. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. At which point it takes me right back to the log in screen. At the moment, Spruce doesnt offer early deposit for state tax refunds. H&R Block Introduces Spruce Mobile Banking Platform to Help More And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Spruce Banking Bonuses: $20 Direct Deposit Promotion (Nationwide) 11 Best Check-Cashing Apps in 2023 - Instantly + Online - CreditDonkey Select the account for deposit and enter the check amount. This is an optional tax refund-related loan from Pathward, N.A. 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. How Do I Contact Spruce? This card and service is downright awful. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. $50 will be deposited within 14 business days after completing all requirements. 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). Spruce isnt totally fee-free, however. H&R Block launches challenger bank Spruce | Banking Dive Spruce Banking Review | The College Investor 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. No luck, it's pulling the exact same thing. * No monthly fees. Cards issued pursuant to license by Mastercard. 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. 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. When you use Spruce, its easy to set and monitor your progress toward financial goals. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. See, Important Terms, Conditions and Limitations apply. 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. Spruce is a Mobile Banking App and includes a Debit Card with Benefits . See Spending Account Agreement for details. $20 bonus if you meet the requirements and open an account before April 20, 2022. Accounts may be opened through the Spruce app and on the Spruce website. Our opinions are our own. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. 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. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Spruce is a mobile banking platform built and backed by H&R Block. Negative balances are . 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. H&R Block does not provide immigration services. There are more than 10,000 retailers that offer rewards. They say it works with PayPal, cashapp, venmo etc..and it doesn't. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. If your employer issues paper paychecks, you receive checks for rebates . Mobile Banking for People Who Want to Be Good with Money | Spruce State e-file available for $19.95. Whatever youre saving for, set personalized goals, start adding money, and track your progress. Tax Audit & Notice Services include tax advice only. But if youre in the market for a new way to spend and save, its definitely worth a close look. Spruce - Mobile banking on the App Store The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). 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. It is not an extension of credit; it is a courtesy exercised at our discretion. 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. Consult your own attorney for legal advice. 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.. Were sorry for the issue you encountered with Spruce, and wed like to help. For more information, see the developers privacy policy. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. Message and data rates may apply. Let a professional handle your small business books. The following data may be collected and linked to your identity: Privacy practices may vary, for example, based on the features you use or your age. HRB Maine License No. You can download the app for iOS and Android. Courtesy Coverage is optional negative balance coverage on your Spruce Spending account. 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. Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. Check the app for offers. Get help using Spruce online banking services. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . MetaBank has a B rating because it has 775 complaints filed against the business. 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. Void where prohibited. Enrollment restrictions apply. I decided why not and filed my taxes to get my direct deposit into my new spruce account. HRB Tax Group, Inc. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. 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). The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. But the app and site refuse to even allow me to sign up. We appreciate it and you for being a part of the Spruce community. You dont have to activate your offers though. . See Spruce Rewards powered by Dosh Terms for details. All deposit accounts through Pathward are FDIC insured. Chime is a financial technology company, not a bank. Additional terms and restrictions apply; See. 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. 5 Stars, 4.25 Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. 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. You don't want to lose it. Spruce has some other key benefits. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Spruce Accounts may not be closed or restricted at payout. Cards issued pursuant to license by Mastercard. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. 0 Get a $50 bonus when you receive qualifying direct deposits. Refund Transfer is a bank deposit product, not a loan. (member FDIC). Supporting Identification Documents must be original or copies certified by the issuing agency. . Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Cash back will be deposited in your Savings Account. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. A mobile banking app for people who want to make the most of their refund. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. MetaBank works to increase financial availability, choice, and opportunity for all. No minimum balance. Pricing varies by location. 5 Credit score is FICOScore 8 based on Experian data. 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. See, H&R Block Emerald Advance line of credit, H&R Block Emerald Savings and H&R Block Emerald Prepaid Mastercard are offered by Pathward, N.A., Member FDIC. 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. But Spruce does offer early direct deposit for your paycheck if your payer qualifies.