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  1. This is an optional tax refund-related loan from Axos Bank®, Member FDIC; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1250 or $3,500. Approval and loan amount based on expected refund amount, ID verification, eligibility criteria, and underwriting. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer. Available at participating locations. Not offered in Puerto Rico. HRB Maine License No. FRA2. OBTP#B13696 ©2019 HRB Tax Group, Inc.
  2. The H&R Block Emerald Prepaid Mastercard® is a tax refund-related deposit product issued by Axos Bank®, Member FDIC, pursuant to a license by Mastercard International Incorporated. Emerald Financial Services, LLC is a registered agent of Axos Bank. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Not available at all locations and to all applicants. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ID verification required. ©2019 HRB Tax Group, Inc.
  3. Merchants/offers vary. Rewards will be posted to your Emerald Card on or around the 5th day of the month following your qualifying purchase. Rewards are in the form of a cash credit loaded onto the card and are subject to applicable withdrawal/cash back limits.
  4. For a full schedule of Emerald Card fees, see your Cardholder Agreement.
  5. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit.
  6. Fees apply to Emerald Card bill pay service. See Online and Mobile Banking Agreement for details.
  7. H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® offered through Axos Bank®, Member FDIC. H&R Block Emerald Prepaid Mastercard® issued by Axos Bank pursuant to a license by Mastercard International Incorporated. All products subject to ID verification. If approved for an Emerald Advance, your credit limit could be between $350-$1000. Line of credit subject to credit and underwriting approval. Fees apply. Products offered only at participating offices. Promotional period 11/14/2019 – 1/10/2020. Emerald Financial Services, LLC is a registered agent of Axos Bank. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Emerald Advance line of credit is a tax refund-related credit product. Emerald Card® is a tax refund-related deposit product. OBTP#B13696 ©2019 HRB Tax Group, Inc.
  8. When you use an ATM, we charge a $3 withdrawal fee. You may be charged an additional fee by the ATM operator (and you may be charged a fee even if you do not complete a fund transfer). See your Cardholder Agreement for details on all ATM fees.
  9. Emerald Card Retail Reload Providers may charge a convenience fee. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Axos Bank®.
  10. Refund Transfer (RT) is a tax refund-related deposit product provided by Axos Bank®, Member FDIC. Fees apply. You must meet legal requirements for opening a bank account. RT is a bank deposit, not a loan, and is limited to the size of your refund less applicable fees. You can e-file your return and get your refund without an RT, a loan or extra fees. Maine License No.: FRA2. Available at participating offices.
  11. Neither H&R Block nor Axos Bank® charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply.
  12. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Conditions and exceptions apply – see your Cardholder Agreement for details about reporting lost or stolen cards and liability for unauthorized transactions.
  13. Requires purchase of a Refund Transfer (RT), for which a temporary bank account is required and fees apply. See RT Application for full terms and conditions. RT is provided by Axos Bank, Member FDIC. Fees apply. You must meet legal requirements for opening a bank account. A RT 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 RT, a loan or extra fees. H&R Block Maine License Number: FRA2. Available at participating offices. RT is a tax refund-related deposit product.
  14. Availability of Refund Transfer (RT) funds varies by state. Funds will be applied to your selected method of disbursement once they are received from the state taxing authority.
  15. The Check-to-Card service is provided by Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service Terms and Conditions, the Ingo Money Privacy Policy, and the Sunrise Banks, N.A. Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.
  16. The Rapid Reload logo is a trademark owned by Wal-Mart Stores. Inc. Rapid Reload not available in VT and WY. Fees apply. Check cashing fees may also apply. Check cashing not available in NJ, NY, RI, VT and WY.
  17. If approved, you could be eligible for a credit limit between $350 and $1,000.
  18. Fees apply when making cash payments through MoneyGram® or 7-11®.
  19. 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.
  20. Interest accrues daily and is credited monthly. Minimum opening deposit was $300 or a monthly direct deposit of $25. No minimum balance is required to obtain the stated APY. All fees and rates are subject to change after account opening. Annual Percentage Yield (APY) effective as of August 12, 2015 at 21:53 PM CST and is subject to change without prior notice. Unless exception applies, a 10% IRS early distribution penalty if withdrawn prior to age 59½ will apply. 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. See fee disclosure and account agreement for details.
  21. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. There are limits on the total amount you can transfer and how often you can request transfers. Axos Bank® does not charge a fee for this service; please see your bank for details on its fees.
  22. 7-ELEVEN is a registered trademark of 7-Eleven, Inc.
  23. ©2015 InComm. All Rights Reserved. Vanilla Reload is provided by ITC Financial Licenses, Inc. ITC Financial Licenses, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. Terms and conditions apply.
  24. If you request cash back when making a purchase in a store, you may be charged a fee by the merchant processing the transaction. Always ask the merchant if a surcharge applies when requesting cash back at the point of sale.
  25. Applicants must be 18 years of age in the state in which they reside (19 in Nebraska and Alabama, 21 in Puerto Rico.) Identity verification is required. Both cardholders will have equal access to and ownership of all funds added to the card account. See Cardholder Agreement for details.
  26. Use of (Tap) for Balance is governed by the H&R Block Mobile and Online Banking Online Bill Payment Agreement and Disclosure. Once activated, you can view your card balance on the login screen with a tap of your finger. You should enable the security features on your mobile device, because anyone who has access to it will be able to view your account balance. You also accept all risk associated with (Tap) for Balance, and agree that neither H&R Block, Axos Bank nor any of their respective parents or affiliated companies have any liability associated with its use. You will still be required to login to further manage your account.
  27. Timing is based on an e-filed return with direct deposit to your Card Account.
  28. Your wireless carrier may charge a fee for data usage.