Deposit your refund directly onto an Emerald Card® for convenient access to your funds. No more check cashing fees — just an easy way to keep your money safe.
Fast access to your refund and payroll, unemployment or government benefits direct deposited onto your Emerald Card, without check-cashing fees.
Load check funds into your Emerald Card Account with the MyBlock mobile app, and get Funds in Minutes (fees apply) or Funds in Days (no fee).
Get cash back with purchases from retailers and at ATMs anywhere in the U.S. that Debit Mastercard is accepted.
Set aside funds for a rainy day with your Emerald Card Account.
An Emerald Card is safer than carrying cash. The funds in your Card Account are FDIC-insured up to the maximum amount permitted by law, through our bank partner Pathward®, N.A., Member FDIC. Plus, the Mastercard Zero Liability policy protects you from unauthorized purchases, theft and fraud.
Download the MyBlock app to manage your taxes, schedule appointments, and connect with your tax pro from home — all in one place!
H&R Block created the Spruce mobile banking app with your financial wellness in mind. From budgeting features to savings interest, manage your money on-the-go with no monthly fees.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
The Emerald Card is a reloadable prepaid debit card for direct deposit of your tax refund that can be used year round with easy access to your funds. The Emerald Card can be used anywhere Debit Mastercard is accepted. You can add money to your Card account at any time by receiving a direct deposit (payroll, unemployment, or government benefits), loading a check through our MyBlock mobile app, transferring money from a linked account or adding cash at participating retail reload locations.
You may apply at your nearest participating H&R Block tax office or remotely during your virtual tax appointment.
Visit Emerald Online, download the MyBlock mobile app, call the Emerald Card Call Center at 1-866-353-1266 or see your Cardholder Agreement.
Yes. Call 1-866-353-1266. (Si. Llame 1-866-353-1266.)
You can view 12 months of statements and your recent transactions by logging on to Emerald Online in MyBlock. You can also obtain 24 months of written history at no charge by calling 1-866-353-1266, or by writing us at Cardholder Customer Service, PO Box 10170, Kansas City, MO 64171.
No, two people cannot share the same Emerald Card Account.
Yes, the funds in your Emerald Card Account are FDIC insured to the maximum amount permitted by law through our bank partner Pathward®, N.A., Member FDIC.
Please call 1-866-353-1266 to report a lost or stolen card as soon as possible.
Please contact us as soon as possible at 1-866-353-1266 to minimize your losses. If you contact us within 2 business days after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your card without your permission. If you contact us about a fraud claim and request a Written Confirmation of Fraud form, one will be provided to you. Or, you can submit your fraud claim in writing to Cardholder Customer Service, PO Box 10170, Kansas City, MO 64171.
No. You are not allowed to exceed the available amount in your Card Account. However, if your Card Account balance should ever become negative, you will be responsible for repaying the amount of the negative balance.
Have questions about the H&R Block Emerald Card®?
Access the Emerald Card® Cardholder Agreement to learn more. You can also contact us at 1-866-353-1266. There is no charge for contacting us.
