H&R Block Financial Services

We care about your taxes and financial well-being. With options like the Spruce mobile banking app and Emerald Card®, H&R Block has what you need. All bank products provided by Pathward®, N.A., Member FDIC.

High-yield savings interest APY vs. National Avg. graph


Tap into interest and grow your savings with Spruce

3.50% APY high-yield savings rate when you opt in

No minimum balance required

No monthly fees

^FDIC average national savings rate as of 03/28/2024 here.

Features you’ll love

Budget tracking

Automatically categorizes your transactions.

Early tax refund

With Spruce, you can get your federal tax refund up to 6 days early.

Early payday

Get paid up to 2 days early with direct deposit.

spruce savings interest

High-yield rate

Opt in and earn 3.50% APY on your Savings Account without minimum balance requirements.

H&R Block emerald card

Emerald Card®

Get your refund and paycheck all on one physical card. Use it, reload it, and use it anywhere Debit Mastercard® is accepted.

Emerald Advance Loan

You could get up to $1,300 with an H&R Block Emerald Advance® Loan. Load funds to Emerald Card® or use your existing Spruce account.

No longer available but check back soon for more information on future availability.

Couple on the couch buying presents with their Emerald Advance Loan

Refund Advance

You could get a Refund Advance loan up to $3,500 the same day you file your taxes. Plus, enjoy no interest, no loan fees, and no impact to your credit score.

No longer available for the current tax season.

The MyBlock app is your year-round tax companion

Wherever you are, the MyBlock app seamlessly allows you to manage your taxes all year. You can schedule appointments, and connect with your tax pro from home — all in one app!


Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2023 HRB Tax Group, Inc.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.

Spruce high yield interest

Tap into savings interest and make money while you save with Spruce. Learn more Opens a new window.