spruce bank mobile deposit

Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Limitations apply. See Spruce Rewards powered by Dosh Terms for details, Tax Identity Shield Terms, Conditions and Limitations, Free Worry-Free Audit Support is available only for clients who purchase and use H&R Block desktop software solutions to prepare and successfully file their 2022 individual income tax return (federal or state). of You can sign up online or through mobile. See Spruce Rewards powered by Dosh Terms for details. If your employer issues paper paychecks, you receive checks for rebates . Spruce isnt perfect; no fintech app is. 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 . 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. 0 Explore Spruce Emerald Savings H&R Block Introduces Spruce Mobile Banking Platform to Help More Conditions apply. Audit services constitute tax advice only. 2023 Bankrate, LLC. Additional fees may apply. We believe in a future with equitable access to easy and affordable banking. See. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. *Go to disclaimer for more details. No minimum balance. 2023 Money Crashers, LLC. Its like its disabled ?? A qualifying expected tax refund and e-filing are required. Penalty for early withdrawal. All tax situations are different. Special cannot be part of TSB CD laddering package. Enrolled Agents do not provide legal representation; signed Power of Attorney required. You can file your return and receive your refund without applying for a Refund Transfer. 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. 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. # Spruce Rewards powered by Dosh. 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. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Rince and repeat. Online bank vs online banking platform: Which is better for you? Audit services only available at participating offices. Supporting Identification Documents must be original or copies certified by the issuing agency. - Round Up. Refund Transfer is a bank deposit product, not a loan. Minimum balance of $5,000 required to open account and obtain the APY. Saving goals. 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. If you use an ATM outside of the Allpoint network, you'll have to pay a $3 fee. *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. Pathward does not charge a fee for this service; please see your bank for details on its fees. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Tax returns may be e-filed without applying for this loan. No one can help me or give me information. Audit services constitute tax advice only. Spruce has no monthly fees, no sign-up fees, no overdraf. Though H&R Block isnt a bank, Spruce has an array of mobile banking capabilities supported by Pathward, N.A. Were sorry for the issue you encountered with Spruce, and wed like to help. 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. Line balance must be paid down to zero by February 15 each year. 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. 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. Message and data rates may apply. Since accounts are also insured by MetaBank, we're also including the bank's BBB rating for some additional perspective. Is this a joke ?? To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Online Loan Companies To Borrow From Home, Spruce Review: Fee-Free Mobile Banking With Cash Back. E-file fees do not apply to NY state returns. 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. 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. Additional information can be found by visiting www.metafinancialgroup.com. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Took 1 week to get my money back. From paying for school to buying a car, Spruce also has options to set up automatic transfers towards savings. . Thank you! Spruce is a mobile banking platform built and backed by H&R Block. Offer from H&R Block. ThroughBlock AdvisorsandWave, the company helps small-business owners thrive with innovative products like Wave Money, a small-business banking and bookkeeping solution, and the only business bank account to manage bookkeeping automatically. 3 There is no fee to withdraw money at Allpoint ATMs. E-file fees do not apply to NY state returns. 5 Credit score is FICOScore 8 based on Experian data. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Cards issued pursuant to license by Mastercard. micohn. No luck, it's pulling the exact same thing. A qualifying expected tax refund and e-filing are required. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. Fees for other optional products or product features may apply. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Spruce Mobile Banking Platform | H&R Block Newsroom I have called 3 times and had 3 different cards issued to me and have yet to receive 1. A mobile banking app for people who want to make the most of their refund. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. Money deposited in your account will be safe. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Were sorry to hear about the poor customer service experience you had and wed like to help! Line balance must be paid down to zero by February 15 each year. *Go to disclaimer for more details, Get your paycheck up to two days early with direct deposit.2Go to disclaimer for more details, Get automatic cash back rewards at select retailers.1Go to disclaimer for more details. See how Spruce makes security a top priority. Earn cash back when you spend at select retailers. 1 Spruce Rewards are powered by Dosh. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. Its accounts come with several special perks like cash-back rewards and early direct deposit. An ITIN is an identification number issued by the U.S. government for tax reporting only. More information is available at sprucemoney.com. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. You have to wait 5 days for someone to reach out to you but I told them Id contact my attorney for holding funds hostage and they called right away. No monthly fees, no sign-up fees, no minimum balance requirement. 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. This is a HUGE security risk and the first red flag !! DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! Spruce fintech platform is built by H&R Block, which is not a bank. Terms apply to offers listed on this page. I was at least able to get access to the money to pull it all off. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service. HOW WHEN I NEVER GOT IT!!! 5 Credit score is FICOScore 8 based on Experian data. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. 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. 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. Emerald Card Retail Reload Providers may charge a convenience fee. I downloaded the app and applied for account. Spruce, a mobile banking platform built by H&R Block, provides comprehensive capabilities supported by its banking partner, Pathward, N.A. No credit check to apply.

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