H&R Block Financial Services
We care about your taxes and financial well-being. With options like the Spruce mobile banking app and Emerald Card®, H&R Block is here to help you simplify your financial life.
All bank products provided by Pathward®, N.A., Member FDIC.
Make the most of every dollar with Spruce
Spruce is an all-in-one mobile banking app built by H&R Block to help you take control of your finances.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
Emerald Card®
Emerald Card is a physical, prepaid debit card issued in the tax office. Quickly access your refund or loan proceeds and use it anywhere Debit Mastercard® is accepted.
Pay nothing out of pocket with Refund Transfer the day you file
Use your refund to pay for tax prep and other amounts, receive refund tracker messages, and more.
Loan options to fit your needs
Emerald Advance℠ Loan
You could get up to $1,300 with an H&R Block Emerald Advance® Loan. Load funds to Emerald Card® or use your existing Spruce account.
Currently unavailable, but check back in the fall for future availability.
Refund Advance
You could get a Refund Advance loan up to $3,500 the same day you file your taxes. Enjoy no interest, no loan fees, and no impact to your credit score.
No longer available for the current tax season.
The MyBlock app is your year-round financial companion
In addition to taxes, the MyBlock app seamlessly allows you to manage Emerald Advance® Loan and Emerald Card®. View activity, make payments, check your balance, and more—all in one app!
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.
H&R Block Emerald Prepaid Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2023 HRB Tax Group, Inc.
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