H&R Block Financial Services

We care about your taxes. And your financial well-being. With options like H&R Block Emerald Prepaid Mastercard® and Emerald AdvanceSM, a line of credit, you can get what you need with H&R Block.

Our banking partner changed! Find out what this means for you.

Emerald card

Emerald Card®

Get your refund and paycheck all on one card. Use it, reload it, and use it anywhere Debit Mastercard® is accepted.

Emerald Savings®

Start saving towards your emergency fund with an H&R Block Emerald Savings® account with as little as $25.

Emerald Savings
Refund Advance

Refund Advance

You could get up to $3,500 the same day you file your taxes. Plus, enjoy no interest, no loan fees, and no impact to your credit score.

Emerald Advance®

You could get up to $1,000 with an H&R Block Emerald Advance® line of credit. Put it on an Emerald Card. Funds are loaded to an Emerald Card for use all year long.

Emerald Advance

Emerald Card features that make mobile banking easy.

Get paychecks faster

Have your paycheck(s) and government benefits direct deposited to your account.

Avoid pesky fees

Say goodbye to check-cashing fees. You can enjoy your card without them.

Enjoy access to cash

Get cash back with purchases from retailers and ATMs where Debit Mastercard® is accepted.

Connect your accounts

Link your bank account to your Emerald Card to transfer money to your card.

Set up bill pay

Pay regular bills from your Emerald Card. And, manage your account from any device.

Plan for what matters

Set up goals and put money away for an emergency fund.

Get cash from your Emerald Card® at nearby ATMs.

Emerald Card ATMs
My block mobile app

Manage finances with MyBlock.

The newly designed MyBlock app is your H&R Block account home. Stay up to date on your Emerald Card. Check your balance, pay bills, set up card loads, and more. It’s easy. 

Create an account

H&R Block is changing banks!

On December 8, 2020, all existing H&R Block-branded accounts at Axos Bank® are moving to MetaBank®, N.A. Please know that Emerald Financial Services, LLC, an H&R Block company, will continue to service your account, so you can contact us at 1-866-353-1266 with any questions during this process – we are here to help! Answers to some common questions may be found below, including what accounts are being transferred, how long your old Emerald Card® will work, and what you need to do.

This transition will cover any H&R Block-branded account you currently have at Axos Bank, including H&R Block Emerald Prepaid Mastercard®, H&R Block Emerald Advance®, Refund Transfer, Refund Advance, H&R Block Emerald Savings®, and other H&R Block-branded accounts including credit cards, gift cards and rewards cards.  If you have an account at Axox Bank that is not associated with H&R Block, like a mortgage, a car loan, or an IRA, that account will not be transferred.    

MetaBank is acquiring any H&R Block-branded account you have at Axos Bank.  Your accounts will now be governed by MetaBank’s Privacy Policy.  In addition, effective December 8, 2020, your account agreements are amended to address the change.  The changes include:

  • Identity of Bank: Your accounts are now at MetaBank.  All references in your legal agreement to Axos Bank now refer to MetaBank going forward.
  • Arbitration: MetaBank will now be added to the arbitration provisions in your legal agreement(s).  If you wish to opt out of this change, please fill out this form, or send a signed letter to MetaBank Arbitration Opt Out, P.O. Box 5846, Kansas City, MO 64171, within 60 days of when you received notice of the change. 
  • Choice of Law:  Your accounts are governed by federal law and, to the extent state law applies, the laws of the State of South Dakota (where MetaBank is located), except as otherwise provided in the arbitration agreement.     
  • Emerald Advance Annual Percentage Rate (APR): If you have an existing Emerald Advance at Axos Bank that you are maintaining using the unsecured method, your APR will be lowered from 36% to 35.9%. 
If you have an Emerald Card, here is a complete copy of your new Cardholder Agreement.  While all the features you love about Emerald Card will remain, you may need to set up certain functionality again.  See “What Do I Need to Do for my Emerald Card?” below.  

If you have an Emerald Card from Axos Bank, you will need to activate your new Emerald Card issued by MetaBank by March 8, 2021.  Your Emerald Card issued by Axos Bank will stop working on that date.   In addition, your account at MetaBank will have a new account number.  If you are using any of the following functionality on your old Emerald Card, you will need to set it up again when you activate your new Emerald Card.  

  • Direct Deposit – We will help facilitate a seamless transition of your direct deposit for a limited time, but to ensure there is no interruption or delay in the posting of funds in the future, you need to update the instructions with your employer or benefits provider.  You can find more details, including a form you can give to your employer or benefits provider, in your MyBlock account under Emerald Card – Direct Deposit.   
  • Direct Debits – If you have set up recurring direct debits using your Axos Bank account number or card number, you will need to set those up again with your new information. 
  • Bill Pay – You will need to enroll for Bill Pay again after the transfer. 

Your Emerald Card issued by Axos Bank will work until (1) you activate your new Emerald Card issued by MetaBank, or (2) March 8, 2021, whichever is earlier. 

You can find it in your MyBlock account - sign in to your new Emerald Card and go to the Direct Deposit section. Or, call 1-866-353-1266.

This change will not impact your refund.  If your refund is sent to your Refund Account, it will be processed, and the proceeds will be sent as you directed during tax preparation.  

You can visit any open H&R Block office, and we will assist you in getting a new card issued by MetaBank.  Or, if you would prefer a card be mailed to you, please call 1-866-353-1266.  

If you have your taxes prepared at an H&R Block tax office or using our online product and choose to send your tax refund to an Emerald Card, you will be issued a new MetaBank Emerald Card, if you don’t already have one.  Your tax refund may be accessed using this card.  

If you applied and were approved for an Emerald Advance in 2020, then you also have a new Emerald Card issued by MetaBank, because they are also the new Emerald Advance lender. Please see "What do I need to do for my Emerald Card?" above for any actions you may need to take for your new MetaBank Emerald Card.

We cannot control where the government chooses to send a future stimulus payment.  However, if one is sent to your old card account number at any point until the end of 2021, you will be able to access those fund using your new Emerald Card issued by MetaBank.  We can also assist you in getting a new Emerald Card if you need one.  

H&R Block will continue to service your account without any disruption.  If you have questions, please call 1-866-353-1266.