spruce bank mobile deposit

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. MetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. 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. 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. You don't need to be a client of H&R Block to become part of Spruce. Spruce is a financial technology platform built by H&R Block, which is not a bank. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Enrollment in, or completion of, the H&R Block Income Tax Course or Tax Knowledge Assessment is neither an offer nor a guarantee of employment. The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. It does nothing !! Most state programs available in January; software release dates vary by state. E-file fees do not apply to NY state returns. Pricing varies by location. Negative balances are . The Spruce mobile banking app can be downloaded in app stores. Copyright 2023 Apple Inc. All rights reserved. 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. However, the Spending and Savings accounts are FDIC insured through Spruce's. 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. The student will be required to return all course materials. Enrollment in, or completion of, the H&R Block Income Tax Course or Tax Knowledge Assessment is neither an offer nor a guarantee of employment. Most state programs available in January; software release dates vary by state. 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. To access Mobile Deposit, simply enroll (download the ANBTX Mobile Banking app), launch the app, and follow the step-by-step instructions: Sign the back of the check (endorse check) Access the ANBTX Mobile Deposit app. Additional fees apply for tax expert support. 2022 HRB Tax Group, Inc. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. All tax situations are different. Void where prohibited. Additional terms and restrictions apply; See. . Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. Theyre ridiculous and customer service is awful. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. 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 !! There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. What Does It Offer? Enrolled Agents do not provide legal representation; signed Power of Attorney required. 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. 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. Receive your federal tax refund up to 5 days early, ** get paychecks up to two days early, 1 and earn automatic cash back rewards at select retailers. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. 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 . Refund Transfer is a bank deposit product, not a loan. No credit check to apply. 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 has some other key benefits. Line balance must be paid down to zero by February 15 each year. Should you need such advice, consult a licensed financial or tax advisor. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. E-file fees do not apply to NY state returns. Amended tax returns not included in flat fees. All Rights Reserved. Original supporting documentation for dependents must be included in the application. 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. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Interest calculated on current balance at day of deposit. Audit services only available at participating offices. MetaBank works to increase financial availability, choice, and opportunity for all. 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. Message and data rates may apply. You can set up individual financial goals through the account and evaluate them through charts that track your progress. 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. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Lets take a closer look at a few of the features and capabilities that set Spruce apart: Spruce is built and backed by H&R Block. Download the app: Spruce is a mobile-friendly platform. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. For more mobile banking options, you can try MoneyLion, Creative Juice, Juno, Upgrade, Douugh, Dave, and Flyp, which all offer similar sign . At an office, at home, or both, well do the work. . Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. Now put it to work for your future. Online bank vs online banking platform: Which is better for you? from the Google Play Store and. All Rights Reserved. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. You don't want to lose it. You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. 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. 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. Spruce is a mobile banking platform built by H&R Block, with banking products provided by Pathward. Spruce is a Mobile Banking App and includes a Debit Card with Benefits Saving goals. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. *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. 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. **Go to disclaimer for more details, Claim your $50 bonus when you receive qualifying direct deposits to your Spruce account. So whatever the problem is, it's on y'all's end. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. 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. Fees for other optional products or product features may apply. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. 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. Audit services constitute tax advice only. *Go to disclaimer for more details. Its a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Early access depends on when payment is submitted. HRB Maine License No. 0 Get a $50 bonus when you receive qualifying direct deposits. 2nd red flag !! 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. accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Provide basic information: Be prepared to provide your email address, name, and phone number. 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. By authorizing H&R Block to e-file your tax return, or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. 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. Please drop us a line at solutions@sprucemoney.com so we can investigate this issue further. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. No sign-up fees. I recently signed up for the spruce account because I file my taxes with H&R Block every single year. Cash back offers and amounts may vary by user, merchant location and offer period. Form your business and you could get potential tax savings. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. Sophia Acevedo is a banking reporter at Insider. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Once youre in the mobile app, if you try clicking on security notifications to choose how youd like your security set up, it doesnt do anything ? 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. LearnMore. Emerald Card Retail Reload Providers may charge a convenience fee. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. Bank products and services are offered by Pathward, N.A. Its like its disabled ?? 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. A Power of Attorney may be required for some Tax Audit & Notice Services. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. They had to activate the card themselves and set the pin number so they had my pin and all my info. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early1Go to disclaimer for more details, and earn cash back rewards at select retailers.0Go to disclaimer for more details Get a $50 bonus when you receive qualifying direct deposits. Consult your own attorney for legal advice. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. But if youre in the market for a new way to spend and save, its definitely worth a close look. Payroll services and support to keep you compliant. Make sure you have some later too. More information is available at sprucemoney.com. Terms and conditions apply; see. Please check with your employer or benefits provider as they may not offer direct deposit or partial 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? of 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. FRA2. A mobile banking app for people who want to make the most of their refund. Through Dosh, its rewards partner, Spruce teams with over 10,000 retail locations, including many merchants grocery stores, restaurants, hotels you may already spend with. To begin, you will need to register your Spruce account online. Spruce is a Mobile Banking App and includes a Debit Card with Benefits. Most personal state programs available in January; release dates vary by state. Safety starts with understanding how developers collect and share your data. Access your favorite topics in a personalized feed while you're on the go. Spruces optional Round Up feature can help you reach your savings goals even faster. Some steps to deposit an online check may include: Sign into your selected banking mobile app. What Is A 529 Plan and Where to Open One in Your State, How Much Should You Have In A 529 Plan By Age, How To Use A 529 Plan For Private Elementary And High School. Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! All tax situations are different. State e-file available for $19.95. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The best part is my tax return wasnt suppose to be direct deposited until 02/22, however it came EARLY!! All Rights Reserved. We also get your email address to automatically create an account for you in our website. 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. See. 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. These are the most notable: No fintech app is perfect. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. To be eligible, accountholder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Once your account is created, you'll be logged-in to this account. Audit services only available at participating offices. Umm. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. This is a HUGE security risk and the first red flag !! After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Negative balances are limited to $20 and must be repaid within 30 days. 3 There is no fee to withdraw money at Allpoint ATMs. When you use Spruce, it's easy to set and monitor your progress toward financial goals. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Year-round access may require an Emerald Savingsaccount. E-file fees do not apply to NY state returns. 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. You're saving it. 2023 Bankrate, LLC. Take a photo of the back of the check. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Took 1 week to get my money back. Online banks are just as safe as brick-and-mortar banks, and you may like them if you're comfortable banking digitally, Mobile banking lets you bank from anywhere, but may not offer as many services as traditional banking, Must open both Savings and Spending account, Spruce Savings account is linked to Spending account, which is the primary Spruce bank account, When you use the Spruce debit card at select retailers you'll get cash back rewards automatically deposited into your account, 55,000 free ATMs nationwide through the Allpoint ATM network, Deposits are FDIC insured through MetaBank, To receive Courtesy Coverage, you must make at least $200 in qualifying direct deposits within a 35-day period, To get a $20 bonus, open a new Spruce bank account before April 20, 2022, and make at least $200 in direct deposits during the first 45 days of opening the account. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. 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. Limitations apply. See Spending Account Agreement for details. OBTP#B13696. Spruce is a mobile banking app for people who want to be better with money. 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. H&R Block does not provide immigration services. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. Terms apply to offers listed on this page. https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html. - Get your Federal Refund Early! When you use Spruce, its easy to set and monitor your progress toward financial goals. . Literally. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. Additional qualifications may be required. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. All deposit accounts through Pathward are FDIC insured. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. We may have financial relationships with some of the companies mentioned on this website. Spruce is a mobile banking platform built and backed by H&R Block. If you havent gotten a card from them, they want the card info before sending you another card! Available only for federal refunds. If you havent looked around in a while, Im willing to bet its an improvement on your current money management solution. I downloaded the app and applied for account. Accounts may be opened through the Spruce app and on the Spruce website. 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. Get the latest tips you need to manage your money delivered to you biweekly. Seriously ?? Were sorry for the issue you encountered with Spruce, and wed like to help. # - Direct Deposit. 5 Stars, 4.25 Never even asked for this and here I am with no insight on when Ill be able to access the money. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. - Credit Score. 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. No minimum balance. 2023 Bankrate, LLC. An ITIN is an identification number issued by the U.S. government for tax reporting only. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Depends on timing of the IRS's payment file. Get the latest on H&R Block news directly to your inbox. 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. No monthly fees. Bank products by Pathward, N.A., Member FDIC. Your wireless carrier may charge a fee for text messaging or data usage. Bank products by Pathward, N.A., Member FDIC. See how Spruce makes security a top priority. 2 Other fees apply for certain uses of the Spruce debit card and accounts. Bank deposit accounts, such as checking and . Additional information can be found by visiting www.metafinancialgroup.com. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Spruce makes it easy to keep tabs on your credit with a free FICO credit score and details on the factors that influence it. Make money when you spend money at select retailers. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. BIG MISTAKE !!! Enrollment restrictions apply. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. 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