The 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. Additional fees, terms and conditions apply. MasterCard is a registered trademark of MasterCard International Incorporated. Not available at all locations and to all applicants. Consult your cardholder agreement for details on fees, terms and conditions. ©2013 HRB Tax Group, Inc. 1 Rewards are usually instant, but may take up to 48 hours. Rewards are in the form of a cash credit loaded onto the card and are subject to applicable withdrawal/cash back limits. Merchants/Offers vary. 2 For a full schedule of fees, see your Cardholder agreement 3 Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. 4 Fees apply.