Convenience and security in your wallet

With an Emerald Card®, you can access your money quickly, and get your refund deposited directly into your Emerald Card account. You can even make purchases anywhere Debit Mastercard® is accepted. No more check cashing fees — just an easy way to keep your money safer than carrying cash.

Fast and easy features you can bank on

Get your money quickly

Fast access without check-cashing fees — get your refund and payroll direct deposited onto your Emerald Card.

Use the check-to-card service

Through the MyBlock mobile app, you can load check funds into your Emerald Card Account, with options for Funds in Minutes (fees apply) or Funds in Days (no fee).

Enjoy access to cash

Get cash back with purchases from retailers and at ATMs anywhere in the U.S. that Debit Mastercard is accepted.

Manage all of your money

Add payroll, unemployment or government benefits, cash and checks to your Emerald Card account all year long.

Put away for the future

Set aside funds for a rainy day within your Emerald Card Account.

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, set up card loads, and more. It’s easy.

Create an account

Explore all MyBlock has to offer

Keep your money safe

An H&R Block Emerald Card is safer than carrying cash. The funds in your Card Account are insured by the FDIC up to the maximum amount permitted by law. Plus, the Mastercard Zero Liability policy protects you from unauthorized purchases, theft and fraud.

Get Spruce and go further with your finances

Built by H&R Block with you in mind, Spruce can help you make the most of every dollar with convenient features for managing money on-the-go.

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.

Spruce mobile banking by H&R Block

Cardholder Agreement Update

Effective immediately, your Emerald Card Cardholder Agreement has changed. You can find the full updated terms here.

Pathward, N.A., the issuer of the Emerald Card, is being appointed as custodian of your funds in your Emerald Card account. As custodian, Pathward is able to place your funds at one or more FDIC-insured Program Banks. See Section 4 of the Cardholder Agreement for full details on Pathward acting as custodian.

Visit www.pathward.com/program-banks to find the most up-to-date list of Program Banks.

All Program Banks are FDIC insured, so your funds are still eligible for FDIC insurance up to the limits set by the FDIC. In the event that a Program Bank fails, your funds will be aggregated with any other funds you have on deposit at that institution to determine if the FDIC insurance limit of $250,000 is met. To assist with calculating your FDIC deposit insurance coverage, the FDIC has an Electronic Deposit Insurance Estimator available.

No, nothing will change about how you use your card, how you log into Emerald Online, etc.

You should immediately transfer or spend all the funds in your Emerald Card account. You may also contact customer service at 1-866-353-1266 to close your Emerald Card account. You can receive a check or ACH of your remaining funds for no fee.

Common FAQs

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 online while using our digital tax preparation product.

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 in at Emerald Online. 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.

Yes, the funds in your Emerald Card Account are FDIC insured to the maximum permitted by law. For additional information, go to FDIC.

Please call 1-866-353-1266 to report a lost or stolen card as soon as possible.

Transaction FAQs

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.

H&R Block Emerald Prepaid Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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