H&R BLOCK EMERALD ADVANCE® LINE OF CREDIT

You could receive a line of credit up to $1000 Disclaimer labeled with ^. Scrolls to disclaimer.
No W2 required to apply
Apply at participating offices starting November 17, 2016
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STAY ONE STEP AHEAD OF UNEXPECTED EXPENSES

Sometimes we all need a little help. Surprise expenses always seem to pop up at the worst time. Emerald Advance is here to help. If approved, the H&R Block Emerald Advance® line of credit provides you with the ability to repeatedly borrow and repay up to $1000. So whether you need a little extra cushion between paychecks, or help with unexpected car repairs, Emerald Advance line of credit has you covered year-round.

USE THE EMERALD ADVANCE LINE OF CREDIT YEAR-ROUND

Pay your balance down to zero by February 15 each year as well as meet a few other requirements, and you could have access to your line of credit year-round for unexpected expenses and other credit needs. View Details

Once you're approved, you'll enjoy the benefits of your year-round line of credit. Here are a few dates to keep in mind.

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.

ACCOUNT MANAGEMENT THAT FITS YOUR ROUTINE

It's simple, you can manage your account at home or on the go. With several options available, you can enjoy the flexibility to make payments in a way that's most convenient for your lifestyle.

Once you create an account at MyEmeraldAdvance.com, you'll be able 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.

EASY PAYMENT OPTIONS

With a minimum monthly payment of only $25 or 4% of your balance (whichever is greater), payments are both affordable and manageable. You must also pay down your balance to zero by February 15 each year.

You have several convenient options to make a payment, and now it's easier than ever. Payment options include:

  • Check or debit card

  • Transfer from H&R Block Emerald Prepaid Mastercard®

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

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

PRICING AND OTHER INFO

FEES AND TERMS:

$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

$7.50 Late Payment Fee

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

$20 Returned Payment Fee

If a check is used to make a payment on your Emerald Advance, and the financial institution on which the check is drawn 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 Advance, 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.

**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.

 

AUTO-PAY REQUEST FORM

If you have an Emerald Advance, you can enroll in an Automatic Payment Plan.

It's a convenient way for you to make required monthly payments from your Emerald Card® or Emerald Savings account to your Emerald Advance and help you avoid late fees. Download Now

^H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® are offered through BofI Federal Bank, Member FDIC. H&R Block Emerald Prepaid Mastercard® is issued by BofI Federal Bank pursuant to a license by Mastercard International Incorporated. All products subject to ID verification. Line of credit is also subject to credit and underwriting approval. If approved, you could be eligible for a credit limit between $350 - $1000. Fees apply. Products offered only at participating offices. Promotional period 11/17/2016 –12/30/2016. 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. ©2016 HRB Tax Group, Inc.

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

  1. This is an optional tax refund-related loan from MetaBank®, N.A.; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer at participating locations. HRB Maine License No. FRA2. OBTP#B13696. ©2021 HRB Tax Group, Inc.
  2. 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 are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2021 HRB Tax Group, Inc.
  3. For a full schedule of Emerald Card fees, see your Cardholder Agreement.
  4. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit.
  5. Fees apply to Emerald Card bill pay services. See Online and Mobile Banking Agreement for details.
  6. 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-$1,000. Fees apply. Offered at participating locations. Promotional period 11/11/2021 – 1/8/2022. Mastercard is a registered trademark, and the circles design are registered trademarks of Mastercard International Incorporated. OBTP# B13696 ©2021 HRB Tax Group, Inc.
  7. When you use an ATM, in addition to the fee charged by the bank, you may be charged an additional fee by the ATM operator. See your Cardholder Agreement for details on all ATM fees.
  8. Emerald Card Retail Reload Providers may charge a convenience fee. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or MetaBank®.
  9. Refund Transfer is an optional tax refund-related product provided by MetaBank®, N.A., Member FDIC. Refund Transfer is a bank deposit product, not a loan. You can file your return and receive your refund without applying for a Refund Transfer. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Fees apply. A qualifying expected tax refund and e-filing are required. Other restrictions apply; see terms and conditions for details. H&R Block Maine License Number: FRA2. ©2021 HRB Tax Group, Inc.
  10. Neither H&R Block nor MetaBank® charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply.
  11. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). Conditions and exceptions apply – see your Cardholder Agreement for details about reporting lost or stolen cards and liability for unauthorized transactions.
  12. Requires purchase of a Refund Transfer (RT), for which a temporary bank account is required and fees apply. See RT Application for full terms and conditions. RT is provided by MetaBank®, N.A., Member FDIC. Fees apply. You must meet legal requirements for opening a bank account. A RT is a bank deposit, not a loan, and is limited to the size of your refund less applicable fees. You can electronically file your return and receive your refund without a RT, a loan or extra fees. H&R Block Maine License Number: FRA2. Available at participating offices. RT is a tax refund-related deposit product.
  13. Availability of Refund Transfer (RT) funds varies by state. Funds will be applied to your selected method of disbursement once they are received from the state taxing authority.
  14. The Check-to-Card service is provided by Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Service Terms and Conditions, the Ingo Money Privacy Policy, and the Sunrise Banks, N.A. Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.
  15. The Rapid Reload logo is a trademark owned by Wal-Mart Stores. Inc. Rapid Reload not available in VT and WY. Fees apply. Check cashing fees may also apply. Check cashing not available in NJ, NY, RI, VT and WY.
  16. If approved, you could be eligible for a credit limit between $350 and $1,000.
  17. Minimum monthly payments apply. Line balance must be paid down to zero by February 15 each year. Year-round access may require an Emerald Savings® account.
  18. Fees apply when making cash payments through MoneyGram® or 7-11®.
  19. Please consult your tax professional for further information regarding eligibility, tax-deductibility of Traditional IRA contributions, tax-deferred/tax-exempt interest, limitations and tax consequences of distributions for college expenses and first-time home purchases, and additional IRS rules governing both Traditional and Roth IRAs. Severe penalties may be imposed for contributions and distributions not made in accordance with IRS rules.
  20. Under MasterCard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by MasterCard or to unregistered cards.
  21. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. There are limits on the total amount you can transfer and how often you can request transfers. MetaBank® does not charge a fee for this service; please see your bank for details on its fees.
  22. 7-ELEVEN is a registered trademark of 7-Eleven, Inc.
  23. ©2015 InComm. All Rights Reserved. Vanilla Reload is provided by ITC Financial Licenses, Inc. ITC Financial Licenses, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. Terms and conditions apply.
  24. If you request cash back when making a purchase in a store, you may be charged a fee by the merchant processing the transaction. Always ask the merchant if a surcharge applies when requesting cash back at the point of sale.
  25. Applicants must be 18 years of age in the state in which they reside (19 in Nebraska and Alabama, 21 in Puerto Rico.) Identity verification is required. Both cardholders will have equal access to and ownership of all funds added to the card account. See Cardholder Agreement for details.
  26. Use of (Tap) for Balance is governed by the H&R Block Mobile and Online Banking Online Bill Payment Agreement and Disclosure. Once activated, you can view your card balance on the login screen with a tap of your finger. You should enable the security features on your mobile device, because anyone who has access to it will be able to view your account balance. You also accept all risk associated with (Tap) for Balance, and agree that neither H&R Block, MetaBank® nor any of their respective parents or affiliated companies have any liability associated with its use. You will still be required to login to further manage your account.
  27. Timing is based on an e-filed return with direct deposit to your Card Account.
  28. Your wireless carrier may charge a fee for text messaging or data usage.