With competitive interest rates, an H&R Block Bank savings account will help you save for the future you deserve.
FAQs & Help
Features offered on H&R Block Bank savings accounts:
Free ATM Card
Competitive interest rates
FDIC Insured up to $250,000
$25 minimum to open1
No minimum balance required to earn interest
Unlimited deposits, including payroll and individual deposits
To apply for a Block Savings account and/or a Block Money Market account, please visit our branch location at:
One H&R Block Way,
Kansas City, MO 64105.
To apply for an H&R Block Emerald Savings account, please visit any H&R Block tax office.
Block Savings Account
Saving money is made easy with a Block Savings account.
Maintain a minimum daily balance of $100 to avoid monthly service fees.2
Six free withdrawals each quarter 3
Monthly refund up to $4 on non-H&R Block Bank ATM transaction fees 4
H&R Block Emerald Savings
H&R Block Bank now offers the H&R Block Emerald Savings® account which can be accessed using the H&R Block Emerald
Prepaid MasterCard®. For more information on the H&R Block Emerald Savings account
click here.emarald savings click
H&R Block Easy Savings
Easy Savings accounts are no longer available. However, all existing Easy Savings accounts remain unchanged.
If you already have an Easy Savings account, you can continue to easily access your cash with the H&R
Block Easy Savings ATM card, good at any NYCE or Cirrus location.4
Enjoy the benefits of saving and limited check writing ability with an H&R Block Bank Money Market account
for your personal or business needs. Maintain a minimum daily balance of $1,000 to avoid monthly service fees5 .
1 $10 minimum to open minor account (ages 17 and younger).$100 minimum to open a business account.
Fees apply for transfers from savings to checking. Fees do not apply to minor accounts.
Fees may reduce earnings.
2 The account will be charged a $3 fee if the average daily balance falls below $100 during the statement cycle.
3 Otherwise limited to 6 transfers per statement period. Fees may apply if these limits are exceeded.
4 Fees will apply under some circumstances. If you use an ATM not owned by us for any transaction, including a balance inquiry,
you may be charged an additional surcharge fee by the ATM operator even
if you do not complete a withdrawal. ATM networks may have daily withdrawal limits.
The H&R Block Bank ATM card is issued by H&R Block Bank, a Federal Savings Bank, member FDIC
5 This account is restricted to no more than 6 withdrawals per month.
A $10 fee will also be charged in any month in which the average daily balance falls below $1,000.
to view current rates for the H& R Block Easy Savings.
Minimum opening deposit is $25 for Savings and Money Market Accounts. Minimum opening deposit is $100 for the Business
Money Market Account. An average daily balance of $100 is required for the Savings Account to avoid a quarterly
maintenance service charge. An average daily balance of $1,000 is required for the Money Market Account and Business
Money Market Account to avoid a monthly maintenance service charge.
Annual Percentage Yield (APY) effective as of
and is subject to change without prior notice. Fees may reduce earnings on the account.
See fee disclosure and account agreement for details.
Savings Account interest will accrue daily and credit quarterly. Money Market Account and Business Money Market Account
interest will accrue daily and credit monthly. If you close your account before interest is credited, you will not
receive the accrued interest. All fees and rates are subject to change after account opening.
FDIC insured up to $250,000 per depositor for all deposit accounts and IRAs.
Automatic Deposit or Withdrawal
This form can be used to initiate a one-time or recurring transfer between an H&R Block Bank account and
an account held at another financial institution. The same form can be used to establish a new transfer, change
an existing transfer or cancel future transfers.
What is the minimum amount required to open an account?
A Block Savings or Block Money Market account can be opened for as little as $25.
A Block Business Money Market account can be opened for $100.
A Block Savings account for a minor can be opened for $10.
How can I avoid service charges?
Average daily balance requirements vary by the account type.
Fees may be assessed if these requirements are not met.
Will my account earn interest?
You will earn interest on all Savings, CD and IRA accounts. You may also contact us at 888-OUR-HRBB (888-687-4722) for additional information. Click here to view current rates.
How do I re-order checks or deposit slips?
Order checks and deposit slips from a secure website.
How do I place a stop payment on a check?
Online banking customers may request a stop payment 24 hours a day by accessing their accounts online, then going to the stop payment screen.
You can also download a Stop Payment Request form, fill it out and mail it to the address provided on the form. You may also fax the request to 816-854-8050.
You may also call H&R Block Bank at 1-888-OUR-HRBB (687-4722) to request a stop payment.
You must have either the check number or exact amount for which the check was written to request the stop payment.
What minimum balance must I maintain to avoid service charges?
Service charges are waived on Block Savings Accounts maintaining a minimum average daily balance of $100 per
quarter and on Block Money Market accounts maintaining a minimum average daily balance of $1,000 per month.
How do I make a deposit to my account?
Direct deposit: Have your payroll or any other payment to you directly deposited into
your H&R Block Savings or Money Market account. The H&R Block Bank routing number (101089742) and your
account number will be required for all direct deposits.
U.S. mail: Mail endorsed checks and a deposit slip with your account number to the
address provided on the form.
Download a deposit slip.
Internet/phone/ATM: These methods allow transfers between your accounts held at H&R Block
ACH transfer: This method allows transfer from an account at another financial institution.
Wire transfer from another financial institution: Call 1-888-OUR-HRBB (687-4722) for wire instructions.
How do I withdraw funds from my Savings account?
You are allowed to make up to 6 withdrawals per quarter, any additional withdrawals will be assessed a $1.00 fee.
You can withdraw funds from your Block Savings account using any of the following methods:
ATM: Get quarterly refunds up to $12.00 on non-H&R Block Bank ATM transactions.
Internet/phone/ATM: To transfer to another account held at the H&R Block Bank
(e.g., a savings account or money market account).
Withdrawal Request: Have a check mailed to you, funds transferred to another account at
H&R Block Bank, or electronically send funds to another financial institution. Complete and send in the
Withdrawal Request Form.
Wire Request: Have funds wired to an account held at another financial institution.
Complete and send in the
Wire Request Form.
Can I use an ATM card to access my savings or money market account?
Yes, you can use your H&R Block Bank ATM card with your Savings or Money Market account to verify balances,
withdraw funds or transfer funds to one of your other accounts at H&R Block Bank.
If you use an ATM not owned by us for any transaction, including a balance inquiry,
you may be charged an additional surcharge fee by the ATM operator even if you do not complete a withdrawal.
Surcharge fees are generally $1.00 to $3.00. However, ATMs in the AllPoint Network are surcharge free.
To locate an AllPoint ATM, visit www.allpointnetwork.comallpoint-link-card-faq-1. ATM fees noted in your Cardholder Agreement still apply.
What restrictions are there with my savings or money market account?
Federal bank regulations permit you to make up to 6 preauthorized, automatic or third-party transfers from a savings or money
market account during a month or monthly statement cycle including third-party transfers by check, paper draft or debit card.
If you exceed these limits during a statement cycle, a fee will be charged. Repeatedly exceeding these limits will
result in your account being closed or transferred to an account that better fits your needs.
What should I do if my ATM/debit card is lost or stolen?
Call us immediately at 1-888-OUR-HRBB (687-4722).
Am I liable for unauthorized transactions if my ATM/debit card is lost or stolen?
If your card has been lost or stolen, please notify us immediately at 1-888-OUR-HRBB (687-4722).
If you do not notify H&R Block Bank within 2 business days of discovering that the card has been lost or
stolen, the maximum liability you may incur is $500 as long as you notify H&R Block Bank within 60 days
of receiving or having access to a statement on which the unauthorized transaction(s) appeared.
If you fail to report unauthorized ATM or debit card transactions appearing on a statement within 60 days of
receiving or having access to the statement, the maximum liability you may incur is $500 plus the amount of
any unauthorized ATM or debit card transactions that occurred after the 60 days and before notification was
given to H&R Block Bank and that H&R Block Bank determines could have been prevented had proper notice been
given. Your liability for unauthorized transactions that occurred more than 60 days after you received or had
access to the first statement on which an unauthorized transaction appeared and before you notified H&R Block
Bank of the loss or theft of your card is unlimited.
How do I change the PIN associated with my ATM/debit card?
You can change your PIN by contacting us at 1-888-OUR-HRBB (687-4722).
How do I dispute a charge on my ATM/debit card?
Contact us immediately at 1-888-OUR-HRBB (687-4722).