H&R BLOCK EMERALD ADVANCE®

You could get a line of credit
up to $1,000^ today

Sometimes you need a little extra for the everyday things. Apply for an Emerald Advance
line of credit and you could get up to $1,000^. Now through Jan. 9, visit your local participating
office or make an appointment. Our offices have safety measures in place to serve you in a
variety of ways.


If you are considered higher risk for COVID-19, we can meet with you outside regular office hours. Find an office and call to request an after-hours appointment.

If you are considered higher risk for COVID-19 for any reason and need to take additional precautions, we can meet with you outside regular office hours as an additional safety measure. Find an office and call us to request an after-hours appointment.

Make A Tax Appointment

Find a location

Apply for Emerald Advance
now through January 9

View details

If approved, you'll enjoy the benefits of access to money on an H&R Block Emerald Prepaid Mastercard®Disclaimer number 110. Scrolls to disclaimer.. Plus, you can have access to this year-round line of credit to use when you need itDisclaimer number127Scrolls to disclaimer.. Here's how the H&R Block Emerald Advance® works:

How to apply

Between Nov. 16, 2020 and Jan. 9, 2021 apply for an Emerald Advance line of credit -- from a safe distance -- in person. To apply, you can use a current pay statement and a driver's license. If approved, you'll get money loaded on an Emerald Card®.

How to Use

Emerald Advance draws are loaded to an Emerald Card®, a prepaid Mastercard, valid anywhere Debit Mastercard is accepted. The line of credit gives you the ability to repeatedly borrow and repay money and has an annual resting period from Jan. 27 - Feb. 15 in which draws cannot be made from your Emerald Advance.

How to pay down

The Emerald Advance must be paid down to zero by Feb. 15 to maintain your account in good standing. If you choose H&R Block for tax preparation you have the option to pay down using your income tax refund. Other pay down options are available.

Account management your way

Manage your Emerald AdvanceSM with your MyBlockSM account, online or with the mobile appDisclaimer number 120. Scrolls to disclaimer.. You can review your balance, available credit, and current transactions, and even make a payment or request a draw.

Login to MyBlockSM
   

Easy payment options

You can pay a minimum monthly payment of $25 or 4% (whichever is greater) of your balance for most months. Payments are both affordable and manageable. Remember, you must pay down your balance to zero by Feb. 15 each year to keep your account in good standing.

Payments can be made by mail, phone, online or MyBlockSM app with debit card, money order, or checking account

Automatic or individual payments from an Emerald Card®


Cash payment at any MoneyGram® or any participating PayNearMe location (third party fees apply)

Tax Refund for paydown only
(not available for monthly payment)

Pricing & fees

$45

Annual fee*

Assessed yearly on the day the Emerald AdvanceSM is opened

35.9%

Annual Percentage Rate (APR)**

Finance charge assessed on the amount drawn from your Emerald AdvanceSM

$7.50

Late payment fee

Assessed if monthly payment is received after the due date (maximum of 5 fees per year).

$20

Returned check fee

If a check is used to make a payment on your Emerald AdvanceSM from another bank, and that bank dishonors or returns it unpaid for any reason, a $20 fee per returned check may be charged.


*$30 in subsequent years for clients who maintain their accounts year-round. If, at the time you establish your Emerald AdvanceSM, you are a covered borrower as that term is defined in the Military Lending Act and its implementing regulations, including 32 CFR § 232.3 (a "Covered Borrower"), and so long as you remain a Covered Borrower, your annual fee will be waived.

**35.9% APR applies during promotional period and for unsecured lines of credit. For full savings-secured lines of credit the APR is 9%. For more details, see the Terms & Conditions.

^If approved for an H&R Block Emerald Advance®, your credit limit could be between $350-$1000.

H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard are offered by MetaBank®, N.A., Member FDIC. Cards issued pursuant to license by Mastercard International Incorporated. Emerald AdvanceSM is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Offered at participating locations. Promotional period 11/9/2020 – 1/9/2021. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. OBTP# B13696 ©2020 HRB Tax Group, Inc.

H&R Block Emerald Prepaid Mastercard is issued by MetaBank® , N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2020 HRB Tax Group, Inc.

Save time & enroll in auto-pay
for Emerald AdvanceSM    

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Apply for up to
$1,000^ line of credit