Get $20 when you receive qualifying direct deposits. Sign up for Spruce accounts today

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 MetaBank®, N.A., Member FDIC.


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

Refund Advance

Refund Advance

You could get 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. 

Emerald Advance®

You could get up to $1,000 with an H&R Block Emerald Advance® line of credit. Put it on an Emerald Card. Funds are loaded to an Emerald Card for use all year long. 

Emerald Advance
Emerald Savings

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

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.

Set up bill pay

Pay regular bills  from your Emerald Card. And, manage your account from any device. 

Plan for what matters

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

My block mobile app

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, pay bills , set up card loads, and more. It’s easy.

Create an account

Explore all MyBlock has to offer

Banking products and services are provided by MetaBank®, N.A., Member FDIC.

Spruce* Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. 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 federal refunds depends on the timing of the IRS’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which in the case of federal tax refunds may be up to 5 days earlier than the scheduled payment date. Early access requires deposit of federal refund directly into your Spruce Spending Account, and is not available if you choose a Refund Transfer or other account to first receive your refund. Not available for state refunds. This program may be changed or discontinued at any time.
  3. 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.
  4. To receive this offer from H&R Block, you must 1) have established your new Spruce Spending and Savings accounts prior to Sept. 30, 2022 (subject to approval); and 2) have received at least $200 in qualifying direct deposits to your Spruce Spending Account within 45 days of account opening. Qualifying direct deposits for this offer are those made by ACH credit to your Spending Account, including recurring direct deposits from your employer or benefits provider, excluding tax refunds.  Other types of deposits to your account, including mobile check deposits, transfers from your Spruce Savings Account or other internal transfers, transfers from your external bank linked within Spruce, and cash transfers from third-party funds transfer providers do not count as qualifying direct deposits.  Your bonus will be deposited to your Spruce Spending Account within 14 business days after you have completed all of the above requirements.  To receive the bonus, your Spruce Accounts may not be closed or restricted at the time of payout.  The bonus may be considered taxable income, and you are responsible for the tax treatment of the funds.  Offer limited to one per customer, and may be modified or discontinued at any time.