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.©2012 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 H&R Block Emerald Advance® line of credit is offered through H&R Block Bank, a Federal Savings Bank, Member FDIC. Emerald Advance 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. Offered only at participating offices.
7 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.
8 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.
9 $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.