H&R Block Emerald Prepaid MasterCard®
When you get your taxes prepared at an H&R Block tax office, you can load your tax refund or Refund Anticipation Check (RAC)1 directly onto the Emerald Card® and use your card anywhere Debit MasterCard cards are accepted. This year you could save money and avoid expensive check-cashing fees with the Emerald Card. Be sure to ask your tax professional how to take advantage of this great offer.
Benefits of the Emerald Card®
There is no cost to get the card
No credit check or bank history required
Use it to make purchases anywhere debit MasterCard® cards are accepted, including by phone, mail or online
Sign up for direct deposit and you could save on check cashing fees
Get cash back for free when making purchases at retailers
Avoid ATM owner surcharge fees3 and get cash at over 35,000 Allpoint ATMs (US and Puerto Rico) displaying the Allpoint logo
.The $2.50 ATM withdrawal fee noted in your Cardholder Agreement still applies. Always know your balance with Mobile Updates4
Lose your cash, it's gone. Lose your card and we will send you a replacement card for FREE within 7-10 days.
Safer than carrying cash. The U.S. MasterCard Zero Liability policy5 protects you against unauthorized purchases.
Read More Benefits of the Emerald Card
H&R Block Emerald Advance®6
The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay money, up to a maximum amount determined by the bank. Use it year-round for emergencies, car repairs, bills and other short-term credit needs 7. Only borrow the specific amount you need. Available through January 16th 2012 at participating H&R Block Tax Offices.
Benefits of the Emerald Advance
Access your transferred funds with the H&R Block Emerald Card®2
Ability to pay down the balance on the Emerald Advance with a portion of your tax refund
Significantly lower fees than payday lenders
Read More Benefits of Emerald Advance
H&R Block Emerald Savings®
The H&R Block Emerald Savings® account is an interest-bearing savings account offered by H&R Block Bank through H&R Block tax offices.The H&R Block Emerald Savings®account offers competitive interest rates, and your money is FDIC insured for up to $250,000
Emerald Savings® account features:
No fee to open the account
Competitive interest rates on your account balance
Access to your savings account with the Emerald Card®2
Low, minimum $25 opening deposit
An account that is FDIC insured up to $250,000
Read More Emerald Saving Account Feature
H&R Block Easy IRA
You can open your Easy IRA with a $300 minimum deposit or by establishing an automatic investment for a minimum of $25 per month3. Plus, get potential tax breaks on your current year tax return4. The H&R Block Easy IRA can be opened as either a Traditional IRA or a Roth IRA and your money is FDIC insured for up to $250,000.
H&R Block Easy IRA includes:
Market competitive annual percentage yields8
FDIC insurance up to $250,000
Initial contribution as low as $300
Potential tax savings on current year tax return9
Savings for our tax clients (ask your tax pro if you qualify for the Saver's Credit)
Read More HRB Easy IRA Includes
H&R Block CD
A Certificate of Deposit is an easy, flexible and secure way to save with a guaranteed rate of return. Let H&R Block Bank show you the best fit for your short- and long-term saving needs. Choose one of our fixed rate Certificates of Deposit, from 30 days up to 5 years, and you'll be one step closer to your savings goals.10 All H&R Block Bank CDs offer free online access and are FDIC insured up to $250,000.
1Standard tax preparation fees apply. Free RAC offer applies to a RAC loaded onto an H&R Block Emerald Prepaid MasterCard® for Federal-only returns. Fees apply if state return is filed or if RAC is provided as a paper check or direct deposit into another bank account.RAC is provided by, H&R Block Bank, a Federal Savings Bank, member FDIC. You must meet legal requirements for opening a bank account. A RAC is a bank deposit, not a loan, and is limited to the size of your refund less applicable fees. You can electronically file your return and receive your refund without a RAC, a loan or extra fees.H&R Block Maine License Number: FRA2. Available at participating offices. Free RAC offer expires 2/04/12.©2011 HRB Tax Group, Inc.
2The H&R Block Emerald Prepaid MasterCard is issued by H&R Block Bank, a Federal Savings Bank, Member FDIC, pursuant to a license from MasterCard International Incorporated. Fees may apply. MasterCard is a registered trademark of MasterCard International Incorporated. Emerald Card is a trademark of HRB Innovations, Inc. This product may not be available at some locations.©2011 HRB Tax Group, Inc.
3 If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged an additional surcharge fee by the ATM operator even if you do not complete a withdrawal. Surcharge fees are generally $1.50 to $3.00. When you use an Allpoint ATM, you avoid this fee. ATM fees noted in your cardholder agreement still apply..
4 H&R Block does not charge a fee for this service; however standard text message fees may apply.
5 US MasterCard Zero Liability does not apply to commercial accounts (except for small business card programs) or ATM locations, or to PIN transactions not processed by MasterCard.
6 Promotional period ends 1/16/2012. Available to H&R Block Bank customers in good standing (except those with an IRA only) and individuals who paid H&R Block or its franchisee for 2010 tax return preparation. H&R Block Emerald Advance® line of credit is offered through H&R Block Bank, a Federal Savings Bank, Member FDIC, and is a trademark of HRB Innovations, Inc. Line of credit is subject to credit and underwriting approval. Fees apply. If you apply and qualify for an Emerald Advance, H&R Block Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Available only at participating offices.
7 Minimum monthly payments apply. Line balance must be paid in full by February 15, 2012 except year-round access which requires payroll direct deposit or Emerald Savings® secured. ©2011 HRB Tax Group, Inc.
8 There is no minimum balance requirement to earn interest. The interest rate associated with the H&R Block Easy IRA is subject to change after account opening at the discretion of H&R Block Bank and without prior notice. Interest will accrue daily and will be credited monthly. Fees may reduce earnings on the account. If you close your account prior to the crediting of interest, you will not receive the accrued interest. Please see your fee disclosure and account agreement for details.
9 Please consult your tax professional for further information regarding eligibility, tax-deductibility of Traditional IRA contributions, tax-deferred/tax-exempt interest, limitations and tax consequences of distributions for college expenses and first-time home purchases, and additional IRS rules governing both Traditional and Roth IRAs. Severe penalties may be imposed for contributions and distributions not made in accordance with IRS rules.
10 $250 minimum to open, unless otherwise stated. Substantial penalty may be imposed for early withdrawal. Interest earned on a CD can be paid monthly, quarterly, semi-annually, or annually at the customer's option. Interest automatically compounds in the account, unless you specifically request interest payments to be disbursed. APY assumes interest remains on deposit until maturity. Grace period is 10 days. Available to personal or business customers.