• 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.

  • Spruce app on phone illustration

    Spruce mobile banking app

  • Emerald Card illustration

    Emerald Card®

  • Refund transfer check illustration

    Refund Transfer

  • Emerald Advance® Loan

  • 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.

    Spending account and debit card with automatic budget tracking

    Savings account with access to a high-yield interest rate

    Saving goals you can personalize to fit your needs

    Learn more

    Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.

  • Spruce app with debit card

  • 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.

refund transfer check illustration

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.

Explore Refund Transfer