Emerald Advance
Line of Credit Disclaimer number 115 . Scrolls to bottom of page.

The Emerald Advance will be available in participating retail offices November 21, 2016.

Want to be notified by email when we begin scheduling appointments to apply?

Stay One Step Ahead of Unexpected Expenses
with Emerald Advance

The H&R Block Emerald Advance® is a year-round line of credit that provides the ability to
repeatedly borrow
and repay up to $1000 Disclaimer number 126 . Scrolls to bottom of page. , depending on bank approval.

Benefits of Emerald Advance

Managing your account is easy at home or on the go. And with several payment options available, you can enjoy the flexibility to make payments the way that's most convenient for you.


Create an Online Account at MyEmeraldAdvance.com to manage your line of credit, enroll for eStatements, make payments and more!

You can also manage your Emerald Advance on-the-go! Download the Emerald Card Mobile Banking App® for iOS and Android devices.


Minimum monthly payment of $25 or 4% of the outstanding balance if greater, is required. Balance must be paid down to zero by February 15, 2017.

We have several convenient options to make a payment, including:

  • Check or debit card

  • Transfer from H&R Block Emerald Prepaid MasterCard®

  • Cash payment at MoneyGram® or 7-Eleven® locations ($2.99 service charge applies)

  • Tax Refund - for paydown only, not available for monthly payment

Use the Line of Credit Year-Round

If you pay your balance down to zero by February 15 each year 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.


$45 Annual Fee*

Assessed on the day the Emerald Advance is opened

36% Annual Percentage Rate (APR)**

Finance charge assessed on the amount drawn from your Emerald Advance, including the Annual Fee

$7.50 Late Fee

Payments received after the due date may be assessed a late fee. Assessed monthly, maximum of 5 fees per year.

$20 Returned Payment Fee

If a check is used to make a payment for your Emerald Advance, and the financial institution on which the check is drawn dishonors or returns it unpaid for any reason, a fee of $20 per returned check may be charged.


*$30 in subsequent years for clients who maintain their accounts year-round as agreed. Assessed in subsequent years on the date the account was opened.

**36% APR applies during promotional period and for unsecured lines of credit. For partial savings-secured and full savings-secured lines of credit, the APR is 18% and 9% respectively. For more details, see the Terms & Conditions.



If you have an existing Emerald Advance, BofI Federal Bank offers an optional automatic payment plan that is a convenient way for you to make each required monthly minimum payment on your Emerald Advance and help you avoid late charges. Download Now

H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® offered through BofI Federal Bank, Member FDIC. H&R Block Emerald Prepaid MasterCard® issued by BofI Federal Bank pursuant to a license by MasterCard International Incorporated. All products subject to ID verification. Line of credit subject to credit and underwriting approval. Fees apply. Products offered at participating offices. Emerald Financial Services, LLC is a registered agent of BofI Federal Bank. MasterCard is a registered trademark of MasterCard International Incorporated. H&R Block Emerald Advance line of credit is a tax refund-related credit product. H&R Block Emerald Prepaid MasterCard is a tax refund-related deposit product.

Need Live Support? 1-800-HRBLOCK (1-800-472-5625) or Find An Office