H&R BLOCK EMERALD PREPAID MASTERCARD®

Get easy access to your money with an Emerald Card

illustration of a security padlock

H&R BLOCK EMERALD ADVANCE® LOAN

Applications open Nov. 1 through Dec. 31 by Pathward®, N.A., terms apply.

A brighter financial future starts with Spruce

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.

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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 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 Pathward®, N.A., Member FDIC. 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.