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H&R Block Financial Services

We care about your taxes. And your financial well-being. With options like Emerald Card®, a prepaid Debit Mastercard®, and Emerald Advance℠, a line of credit, you can get what you need with H&R Block. All banking products provided by Pathward, N.A., Member FDIC.

Emerald Advance℠

You could get up to $1,000 with an H&R Block Emerald Advance® line of credit. Load the funds to an Emerald Card for use all year long.

Refund Advance

You could get a loan up to $3,500 the same day you file your taxes. Plus, enjoy no interest, no loan fees, and no impact to your credit score.


Spruce is a mobile banking app, built by H&R Block with banking products provided by Pathward. Set saving goals, earn automatic cash back offers, and get paychecks up to two days early.

Emerald Savings®

Start saving towards your emergency fund with an H&R Block Emerald Savings® account with as little as $25.

Emerald Card®

Get your refund and paycheck all on one card. Use it, reload it, and use it anywhere Debit Mastercard® is accepted.

Emerald Card features that make mobile banking easy.

Get paychecks faster

Have your paycheck(s) and government benefits direct deposited to your account.

Avoid pesky fees

Say goodbye to check-cashing fees. You can enjoy your card without them.

Enjoy access to cash

Get cash back with purchases from retailers and ATMs where Debit Mastercard® is accepted.

Connect your accounts

Link your bank account to your Emerald Card to transfer money to your card.

Plan for what matters

Set up goals and put money away for an emergency fund.

Manage finances with MyBlock.

The newly designed MyBlock app is your H&R Block account home. Stay up to date on your Emerald Card. Check your balance, set up card loads, and more. It’s easy.

Create an account

Explore all MyBlock has to offer

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.

  1. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date.