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H&R Block Financial Services

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


Spruce is mobile banking, built by H&R Block with banking products provided by Pathward. Set saving goals, earn automatic cash back offers, and get paychecks up to two days early.

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 Savings

Emerald Savings®

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

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

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.

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

Explore all MyBlock has to offer

Banking products and services are provided by Pathward, N.A., Member FDIC.

Spruce* Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

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  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 to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date.