H&R Block
Emerald Advance®

The Emerald Advance is not available in H&R Block offices at this time.

Benefits of An Emerald Advance

Draw funds from your Emerald Advance and load them to your H&R Block Emerald Prepaid Mastercard®

Be Prepared for
Unexpected Expenses

Tap Into Extra Funds
for the Holidays

Access to a line of
credit2 year-round

Managing Your Emerald Advance


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


Emerald Card Mobile Banking App

Submit a payment from your mobile device using your H&R Block Emerald Prepaid Mastercard® mobile banking app.


Submit a payment online through your Emerald Card Account. You can also call 866-353-1266 and follow the prompts without having to speak to an agent.

Debit Card

Submit a payment online or call 866-353-1266 and follow the prompts without having to speak to an agent.

Checking account

Arrange payment by calling 866-353-1266 or send a check by mail to Emerald Financial Services, PO Box 30040, Tampa, FL, 33630-3040.


Visit any MoneyGram® or 7-Eleven® location to make a payment with cash - $2.99 fee applies.

Left navigation for Payment methods Right navigation for Payment methods

Don't forget your Emerald Advance balance must be paid down to zero by February 15, 2016. For your convenience, if you file in an office or online, you can apply a portion of your tax refund to pay down your line of credit. Find an H&R Block office to make arrangements.

Use the Line of Credit Year-Round

If you pay your balance in full by February 15, 2016 and meet other requirements, you could have access to your line of credit year-round for unexpected expenses and other credit needs. View Details

November through December you can make an appointment and apply for the line of credit. November through January you can use the line of credit. Payments are due the fifteenth of every month and on time payments are required. January 27 through February 15 the annual resting period begins and the required pay down to zero by February 15. February 16 through November is the time to meet requirements and use your line of credit year round. By April 1 (if applicable) you can open and fund a savings account.