H&R Block
Emerald
Advance®

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H&R Block Emerald Advance®

This product is not available in H&R Block Offices at this time.

Managing your Emerald Advance

Log in or create a new account to manage your line of credit, enroll for and view eStatements, make payments and more. You can also manage your Emerald Advance on-the-go with our mobile banking app for Android, iPhone® and iPad®.

Payment options

Each month, you will receive a monthly statement notifying you of your minimum payment amount and due date. You can also elect to receive safe, paper-free eStatements through your online account. There are several ways to make a payment:

Checking account

Checking account
Mail: send a check or money order to H&R Block Bank, PO Box 30040, Tampa, FL 33630-3040
Phone: call (866) 353-1266 to arrange a payment

Emerald Card

Emerald Card
Auto payment: arrange for monthly payments to be automatically deducted from your card
Online: log in to your account to submit a payment.
Mobile device: submit a payment through our mobile banking app
Phone: call (866) 353-1266 to arrange a payment

Pay with Cash

Cash
Pay with cash at MoneyGram® or 7-Eleven® locations - $2.99 fee applies. Log in to your account for full details.

Tax refund

Tax refund
Your Emerald Advance balance must be paid down by February 15, 2014. If you have your taxes prepared by H&R Block, you can use your tax refund to pay down your line of credit. Find an H&R Block tax office to make arrangements.

This product is not available in H&R Block Offices at this time.

Using your Emerald Advance®

You can draw funds from your Emerald Advance and use them with your Emerald Card to make payments and purchases, like:

Bills

Bills

Holiday Shopping

Holiday Shopping

Car Repairs

Car Repairs

Unexpected expenses

Unexpected expenses

Year-round use

You could benefit from year-round access to your Emerald Advance line of credit; borrow and repay only the amount that you need. If you have made your Emerald Advance monthly payments on time and pay down 100% of your balance by February 15, 2014, you may be eligible to maintain your line of credit year-round in one of three ways:

Line of Credit Type Credit Limit How to Maintain1 Annual Percentage Rate (APR)1
Unsecured $350 No deposit requirement, though monthly payments must be made on time and account kept in good standing in order to maintain access. 36%
Partial Savings Secured $350 Deposit and maintain at least $150 in an Emerald Savings® account. 18%
Savings Secured $350-$1,000 Deposit and maintain at least $350 in an Emerald Savings® account. Line of credit available is equal to the amount deposited. For example, a $500 savings deposit is needed for a $500 line of credit. 9%