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Last Updated: 04/18/2025

H&R Block Prepaid Emerald Mastercard

from MetaBank

Last Updated: 04/18/2025

H&R Block Prepaid Emerald Mastercard logo
Strongly not recommended24 total votes
5 users recommend
19 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Monthly Service Fee

Up to $0(Verified 06/21/2024)

Card Reload Fee

$4.95

Number of Reviews

24

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H&R Block Prepaid Emerald Mastercard Review

The H&R Block Prepaid Emerald Mastercard is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. H&R Block Prepaid Emerald Mastercard only allows you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

H&R Block Prepaid Emerald Mastercard Pros & Cons

H&R Block Prepaid Emerald Mastercard FAQ

Who issues H&R Block Prepaid Emerald Mastercard?

H&R Block Prepaid Emerald Mastercard is issued by MetaBank, which is based in Storm Lake, IA and was founded in 1954.

What fees does H&R Block Prepaid Emerald Mastercard charge?

H&R Block Prepaid Emerald Mastercard does not charge a monthly service fee.

How Much Does H&R Block Prepaid Emerald Mastercard Cost?

There is no activation fee.
A great thing about this card is it doesn't charge a monthly maintenance fee, which can save you a lot of money over time.
There is a reload fee of up to $4.95 fee every time you reload the card.

Does H&R Block Prepaid Emerald Mastercard charge an activation fee?

H&R Block Prepaid Emerald Mastercard does not charge an activation fee .

What is the daily ATM withdrawal for H&R Block Prepaid Emerald Mastercard?

H&R Block Prepaid Emerald Mastercard has a daily ATM withdrawal limit of $3,000.

What is daily direct deposit limit for H&R Block Prepaid Emerald Mastercard?

It looks like H&R Block Prepaid Emerald Mastercard does not have a set daily direct deposit limit.

What is the Card Replacement Fee for H&R Block Prepaid Emerald Mastercard?

It looks like H&R Block Prepaid Emerald Mastercard does not charge a card replacement fee.

What is the Maximum Balance for H&R Block Prepaid Emerald Mastercard?

The maximum balance you can have on H&R Block Prepaid Emerald Mastercard is $9,500. If you are often close to the maximum balance, it may be time to put your money to work and deposit it in an account that yields interest, such as a savings account, a CD, or a money market account.

How to apply for H&R Block Prepaid Emerald Mastercard

  • Visit the MetaBank website.
  • Fill in the application form. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

H&R Block Prepaid Emerald Mastercard logo

Message from H&R Block Prepaid Emerald Mastercard

Through our divisions, MetaBank provides financial services catered to the needs of our customers. We are a trusted advisor to our partners and clients providing innovative solutions in the markets we serve. Our mission is ingrained in everything we do. We are a leader in providing financial solutions to customers and businesses in underserved, niche markets. We believe in financial inclusion for all. We serve consumers that are often overlooked by traditional banks. We believe that everyone deserves to have access to the kind of financial products that most people take for granted. We are a leader in providing lower-income individuals access to financial products and services. From grocery day to payday to tax day, our products serve as a primary transaction account for many underbanked customers. Our products also provide access to the financial system and offer the same kind of features, functionality, and safety as traditional banking products.

Having a prepaid card for your tax refund can pay off far beyond tax season. You can make purchases, pay your bills, and get cash at the ATM throughout the year, and even add funds to your Emerald Card when your refund runs out. Plus, get cash back with purchases made at many stores—generally without a fee — including grocery, drug and discount stores. The kicker? No setup fee, no annual fee and no fee for purchases.

Contact

Headquarters

121 East Fifth St
Storm Lake, IA 50588
(800) 472-5625
Visit Site

Hours of Operation

Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -58, or 1.8 on a 5-point rating scale.

-58

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

H&R Block Prepaid Emerald Mastercard Community Reviews

Would you recommend H&R Block Prepaid Emerald Mastercard to your friends?

Joshua W. avatar image

Joshua W.

Feb 21, 2024

May or may not recommend

They refuse to load the refund even though they received payment from IRS! Plenty of cards give it 5 days early but ohhh no not emerald/ spruce !! Worst card ever !!

Jane D. avatar image

Jane D.

Aug 20, 2023

May or may not recommend

I had to deactivate my card and now they are giving me the runaround about getting another one. So they are not letting me get MY money! I'm now trying to contact who they bank with directly.

LJ

Lashon J.

Jun 1, 2023

May or may not recommend

I have 3 cards on file 2 suppose to be deactivated but I have to call everytime money come to my cards to get it transferred to my physical active account some representative go head and do and some don't you ask for a supervisor they repeat whatever they are saying to avoid getting a supervisor. I have been with hrblock for many years and I guess it's time for ...Show More

AU

Adam U.

May 24, 2023

May or may not recommend

one of the most good card everyone will need to you and i recommend it for everyone

U

Anonymous

Apr 5, 2023

May or may not recommend

I went a took off 3,000 dollars and now the card won't let me use my card at all!! I'm not even trying to withdrawal money the day after the withdrawal it won't even swipe at a register!! Absolutely ridiculous!! This is my money I should not have this many issues using it!!

MA

Melissa A.

Mar 3, 2023

May or may not recommend

This card is the biggest rip off. There are NO atms that you can use to withdraw your tax refund. For example: Say you get a tax refund of $4,000. In order for you to withdraw money. You have “2” options. Option “1”- Go to a bank- in which you you will be charged at flat fee of $35.00. In which you are only able to withdraw no more than ...Show More

Justin V. avatar image

Justin V.

Feb 21, 2023

May or may not recommend

After getting my taxes filed, my tax guy took down my bank account information- account, routing number, everything. I was still forced to get this card. After receiving my money, I learned there was no option for me to transfer my money to my bank account. It turns out, their "customer service" told me I would have to fill out a form and wait 5 business days. Oh and these ...Show More

KM

Kathleen M.

Nov 15, 2022

May or may not recommend

My stimulus money was easily added. I had a H&R Block tax preparer do the paperwork on her computer. She was very nice and helpful. Very easy to add money at the Dollar General!

DG

Donte G.

Aug 12, 2022

May or may not recommend

This card is useless they locked my limit for deposit at 1k why is there a limit on my money im loading on my card also customer service is super useless they can never do anything for a customer DO NOT GET AN EMERALD CARD IT IS USELESS AND ALL THAT COMES WITH IT.

RC

Rochelle C.

May 24, 2022

May or may not recommend

I would definitely not recommend this card I was told you can do transfers but you can’t Unless you go through a ton of paperwork plus to remove money from an ATM machine they will charge you over $6.00 dollars altogether. It’s 3.25 at the ATM machine and 3.00 dollars from the emerald card. And really poor customer service the woman would not stop talking to let me finish explaining ...Show More

VG

Veronica G.

Mar 3, 2022

May or may not recommend

This is the worse card you can get I here already 1 month waiting for a new card and I still not getting that on the mail is really bad I'm looking forward to call a lawyer to get my money back I call them and not body give me a answer refers to my claim this is the worse customer service worse bank worse people work for them so ...Show More

TN

Tommy N.

Aug 13, 2021

May or may not recommend

I've had quite a few problems with transactions using the emerald card and when you call customer service generally you sit on hold for more than half an hour at the time and the phone is finally answered by somebody who has such a strong accent that you cannot understand and communicate with them. This morning I sat on hold for almost 45 minutes when an Indian lady answered the ...Show More

DK

Dustin K.

Jun 13, 2021

May or may not recommend

They switched bank and since it's been beyond HORRIBE. They hang up on you over and over. They have NO CLUE what they are doing. STAY AS FAR AWAY FROM The Emerald Card as possible. You will regret it if you don't head my warning!!

Carol A K. avatar image

Carol A K.

Mar 31, 2021

May or may not recommend

If there were a way to give NO stars to Meta Bank, I would. Meta Bank took over Emerald Cards for H & R Block. As a result, Meta Bank did not continue to ACH my checking account $20 each month , as prior bank had. The former Emerald card I had stopped working when Meta Bank took over. When I phoned in they said they needed to re-issue a ...Show More

Tammy C. avatar image

Tammy C.

Mar 17, 2021

May or may not recommend

My mastercard emerald card was hacked yesterday and fraudulent charges totaling close to $1200.00 that happened to be my stimulus check that was deposited on my emerald card are gone who do I speak to besides H&R Block? H&R Block are investigating but I think Master card needs to know this is going on. Any help would be appreciated so I don't become homeless due to this .

AG

A'darius G.

Jan 12, 2021

May or may not recommend

My name is A'Darius Gallman I wouldn't recommend this company my stimulus was deposited into my advance account from last year so I canceled it and got a new one like I was told and still my money hasn't transfered after 24-48 hr waiting period and it's been 6 days ! I mentioned my name so HOPEFULLY they contact me and help me handle my issue oh and I've been ...Show More

SM

Shannon M.

Nov 22, 2020

May or may not recommend

With this being a financial institution they sure are having problems with their Emerald Advance. You get approved for a certain amount. But they take $45 right off the top. So they tell you can get so much on your card right away then 24 hours later you should be able to get the rest of the advance. Well that’s not true it can take up to 2 business days ...Show More

SS

Sue S.

Nov 10, 2020

May or may not recommend

Received this card a few years back and had a relatively small income tax return put on it. Fast forward to today when I thought it would be a great idea to add some larger funds to the card and pay off several bills using this debit card. What a nightmare!!! What should have been a happy moment paying off debt turned into an unsuccessful struggle to access my ...Show More

P1

Pm 1.

May 5, 2020

May or may not recommend

Great card! I used it for quick & free cash deposits on days when I didn't have time to go to my bank but needed to get the cash into my real bank HOWEVER this is the worst customer service EVER! I have never once had an issue that they were able to help me with. NEVER Lots of issues w/ CVV number or card not working for ...Show More

TB

Torino B.

Apr 21, 2020

May or may not recommend

I dun had my card for ten years now I need a new one

Showing 20 of 24 reviews

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