H&R Block

H&R Block Emerald Advance®

Beginning November 24, 2014 - you could get up to $1,0001

Schedule an appointment at a participating H&R Block office to apply for an Emerald Advance® and you could be approved for a line of credit up to $1,000 in as little as 15 minutes.

  • Be prepared for unexpected expenses
  • Tap into extra funds for the holidays
  • Year-round access to line of credit2learn more

What you need to apply

paycheck stub

Current earnings statement (e.g. paycheck stub)

Unexpired Government-issued Photo ID

Unexpired government-issued photo ID (e.g. valid driver's license)

recent bill or bank statement

New clients: proof of current address (e.g. recent bill or bank statement)

H&R Block Emerald Prepaid MasterCard ®

H&R Block Emerald Prepaid MasterCard® (if you have one)

Managing your Emerald Advance®

Sign 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 iPhone®, iPad® and Android devices.

Payment options

Each month, you will receive a monthly statement notifying you of your minimum payment amount and due date.

Enroll to receive your statements electronically and you'll be entered into our monthly sweepstakes for a chance to win $500 through April 20153learn more

Checking account

Checking account or debit card
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: sign 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

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

Tax refund

Tax refund
Your Emerald Advance balance must be paid down by February 15, 2015. 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.

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:

Unexpected expenses

Unexpected expenses



Car Repairs

Car Repairs

Holiday Shopping

Holiday Shopping

Year-round use

If you have made your Emerald Advance monthly payments on time and pay down 100% of your balance by February 15, 2015, 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%