spruce bank mobile deposit

To begin, you will need to register your Spruce account online. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 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 . Theres no sign-up fee, monthly maintenance fee, or transaction fee at any of the thousands of ATMs in the Allpoint network. Conditions apply. Limited time offer at participating locations. If that name rings a bell, its because H&R Block is one of the biggest players in tax preparation, with thousands of locations around the country and robust online tax prep software to match. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Thanks for your review! Payroll services and support to keep you compliant. All Rights Reserved. Get help using Spruce online banking services. Fees apply to Emerald Card bill pay service. 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. *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. Spruce has few fees. Tap "Front" and take a photo of the front of the check. References to products, offers, and rates from third party sites often change. Fees apply. Online bank vs online banking platform: Which is better for you? 0 Explore Spruce Emerald Savings You are responsible for tax treatment of funds. 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 Spruce is a mobile banking app for people who want to be better with money. Terms and conditions apply; see. All deposit accounts through Pathward are FDIC insured. Credit score is FICO Score 8 based on Experian data. 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. * - You're Protected With Courtesy Coverage. There are limits on the total amount you can transfer and how often you can request transfers. No sign-up fees. 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. Spruce is a mobile banking platform built and backed by H&R Block. Check the app for offers. Additional fees apply for tax expert support. Transfer funds: If you have a funding account, be ready to provide that information. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. Spruce isnt totally fee-free, however. Endorse your check, then tap "Next". See your. Additional terms and restrictions apply; See. The Spruce mobile banking app can be downloaded in app stores. We believe in a future with equitable access to easy and affordable banking. Download the app: Spruce is a mobile-friendly platform. Interest calculated on current balance at day of deposit. Is this a joke ?? Bank products by Pathward, N.A., Member FDIC. 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. Simple steps, easy tools, and help if you need it. 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. Accounts may be opened through the Spruce app and on the Spruce website. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. State e-file not available in NH. A mobile banking app for people who want to make the most of their refund. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. 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). What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? Message and data rates may apply. Signing up for Spruce was easy, learning my way around the app was quite easy as well. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. *Go to disclaimer for more details. *Go to disclaimer for more details. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. 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. 2023 Bankrate, LLC. If youre intrigued by what youve learned about Spruce so far, keep reading for more details about its core features and capabilities. Chime is a financial technology company, not a bank. Spruce isnt perfect; no fintech app is. Tax returns may be e-filed without applying for this loan. The Spruce solution includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Spruce has no monthly fees, no sign-up fees, no overdraf. Your wireless carrier may charge a fee for text messaging or data usage. 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.. The developer provided this information and may update it over time. Access your favorite topics in a personalized feed while you're on the go. 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? Read our editorial standards. Consult an attorney for legal advice. 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. They say it works with PayPal, cashapp, venmo etc..and it doesn't. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. State e-file available for $19.95. Spruce is a financial technology platform built by H&R Block, which is not a bank. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Any investing information provided on this page is for educational purposes only. However, the Spending and Savings accounts are FDIC insured through Spruce's. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Pricing varies by location. Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly. A separate agreement is required for all Tax Audit & Notice Services. Consider reading online customer reviews or talking to customers to see if Spruce Banking might work for you. The student will be required to return all course materials. When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. You must opt in and meet ongoing requirements to qualify: Spruce makes it easy to set and track savings goals right in the app. Additional fees and restrictions may apply. 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. FRA2. See how Spruce makes security a top priority. If you had to think for even a moment about how to answer, you might be ready for a change. By clicking Sign up, you agree to receive marketing emails from Insider Additional qualifications may be required. (member FDIC). (Jan. 20, 2022) Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. H&R Block is not a bank. 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. Spruce Banking is a new banking platform so it doesn't have a BBB rating, yet. Let a professional handle your small business books. If you use your debit card often, these deposits can really add up over time. H&R Block Free Online, NerdWallets 2023 winner for Best Online Tax Software for Simple Returns. . 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. Available only for federal refunds. To find out if you may be eligible for a HELOC, . Original supporting documentation for dependents must be included in the application. Cash back offers and amounts may vary by user, merchant location and offer period. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits. Once your account is created, you'll be logged-in to this account. Limitations apply. Available only at participating H&R Block offices. 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. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. Get started today See all features 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. File yourself or with a small business certified tax professional. 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. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Chime pays a good rate on its savings account, but it has access to fewer fee-free ATMs than Spruce or One. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. January 20, 2022 08:00 ET of You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. 5 Stars, 4.25 out of Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. So if you usually get your paycheck on Friday, you could receive the funds in your Spruce account as early as Wednesday. 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. Learn how to keep it safe. I decided why not and filed my taxes to get my direct deposit into my new spruce account. A Red Ventures company. This is an optional tax refund-related loan from Pathward, N.A. Well you can add money to spruce but good luck getting any money out of spruce. 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. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. # Spruce Rewards powered by Dosh. Conditions and exceptions apply see your, The Check-to-Card service is provided by Sunrise Banks, N.A. Get the latest tips you need to manage your money delivered to you biweekly. See Spending Account Agreement for details. Tax returns may be e-filed without applying for this loan. Deposits that do not qualify are mobile check deposits, internal transfers, transfers . 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. 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. Minimum balance of $5,000 required to open account and obtain the APY. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. Theyll close the account but itll take longer than 5 business days to process the closure and send a check. They tell me they can see the account and all my info matches but I have no access to my money. What you'll get: $20 Bonus Eligible account: Spruce Spending and Savings Account Availability: Nationwide Credit Inquiry: Hard Pull or Soft Pull? 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. Additional fees apply for tax expert support. Line balance must be paid down to zero by February 15 each year. Not a 1 star for the app as much as the card and company itself. Spruce is a mobile banking platform built and backed by H&R Block. 2 Other fees apply for certain uses of the Spruce debit card and accounts. 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. GET PAID UP TO TWO DAYS EARLY Enroll in direct deposit to access your paycheck sooner. FREE CREDIT SCORE Understand what makes up your credit score, how different . NEW OFFER! All Rights Reserved. Audit services only available at participating offices. 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. Line balance must be paid down to zero by February 15 each year. State e-File for business returns only available in CA, CT, MI, NY, VA, WI. My only real complaint is there isnt a specific section to see my pending deposits they kind of just show up (unless I havent found where to see that information yet). To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Create personalized saving goals and round up your purchases. No one can help me or give me information. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. Year-round access may require an Emerald Savingsaccount. Seriously ?? You may prefer Spruce to the other banking platforms if you'd like to get cash back on some purchases. 5 Stars, 3.75 State e-file available for $19.95. Read more about Spruce mobile banking app.Spruce fintech platform is built by H&R Block, which is not a bank. May be changed or discontinued at any time. Supporting Identification Documents must be original or copies certified by the issuing agency. 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. 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). Terms apply to offers listed on this page. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Audit services constitute tax advice only. Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. No credit check to apply. (member FDIC). Meanwhile, its super-simple savings goals and automatic Round Up features make it easy to save for the future. Enrolled Agents do not provide legal representation; signed Power of Attorney required. No luck, it's pulling the exact same thing. Thank you! I liked the setup so much I used it to get my paycheck. 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. 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 ?? Negative balances are . 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. Brian Martucci writes about credit cards, banking, insurance, travel, and more. Refresh your finances with Spruce, a mobile banking app built by H&R Block. Spruce - Mobile banking is quiet safe to use but use with caution. 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. Select the account for deposit and enter the check amount. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. 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. Copyright 2021-2023 HRB Digital LLC. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. See www.SpruceMoney.com/feesfor details. Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. 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. What Does It Offer? Our opinions are our own. - Credit Score. If you're more concerned with earning interest, it'll be a toss-up between Chime or One. 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. She is also a Certified Educator in Personal Finance (CEPF). A separate agreement is required for all Tax Audit & Notice Services. Were sorry for the issue you encountered with Spruce, and wed like to help. DE, HI and VT do not support part-year/nonresident individual forms. With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more. See Spending Account Agreement for details. Earn cash back when you spend at select retailers. We also get your email address to automatically create an account for you in our website. . Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. When you use Spruce, it's easy to set and monitor your progress toward financial goals. All tax situations are different. Literally. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. (member FDIC). A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Thanks for your feedback! Additional information can be found by visiting www.metafinancialgroup.com. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Available only at participating H&R Block offices. Cash back offers and amounts may vary by user, merchant location and offer period. No minimum balance. Spruce is a mobile banking platform that doesnt come with any monthly fees. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. See www.SpruceMoney.com/fees for details. Most state programs available in January; software release dates vary by state. 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. A Power of Attorney may be required for some Tax Audit & Notice Services. Its your credit make sure youre in charge. Additional training or testing may be required in CA, OR, and other states. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. 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 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. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. You don't need to be a client of H&R Block to become part of Spruce. The student will be required to return all course materials.