H&R Block Financial Services

We care about your taxes. And your financial well-being. With options like Emerald Card®, a prepaid Debit Mastercard®, you can get what you need with H&R Block. All banking products provided by Pathward, N.A., Member FDIC.


Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. Receive your federal tax refund up to 5 days early, get paychecks up to two days early, and earn automatic cash back rewards at select retailers.

Emerald Savings®

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

Refund Advance

You could get a loan 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 Card®

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

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.

Plan for what matters

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

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, set up card loads, and more. It’s easy.

Create an account

Explore all MyBlock has to offer


Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.

  1. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
  3. Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.