Bristol, New Hampshire
2K views 15 comments
Not resolved

I am writing this letter to inform the public of my experience with the Emerald Card with H&R Block.

Our joint refund was placed on this card. There was some kind of promotion and it was free to receive our money on this debit card with the Mastercard logo.

When our refund was placed on the card, I called the number on back of card and spoke to a rep. I wanted to know how to take out my money without any fees so I could pay my mortgage. The rep was very nice and said that a regular bank ATM would charge fees. An "all point ATM" has no fees. But, either way, if I am charged any fees,if I call back after taking my money out, they will waive those fees.

I was able to find an "All Point ATM". It took a few days until I was able to go. The ATM would only let me take out 400 at a time. Each time I was charged 2.50 for a total of 20 dollars.

I called back to have the fees waived and now the story has changed. I was told that the fee was 2.50 for each transaction and will not be waived. I explained what I was told and was hung up on by the male rep.

I called back again and spoke to a supervisor and was told they will waive fees, but I need my husband with me during the call because it is a joint refund. I called back with my husband and they only waived 7.50.

If they are doing this to everyone then they are making millions and it is wrong.

Review about: Emerald Card.

Review #298647 is a subjective opinion of a user.

PRODUCT OR SERVICE
Not specified
Reason of Review / Monetary Loss Not specified / $13
Preferred solution Not specified

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Anonymous
Cranford, New Jersey, United States #1291532
Sad but true the HR Block has fees and sometimes it cost $5+ to take out cash ...The cheapest way to get the money off is a money order from Walmart .97 or even your bank free or at cashier when make a purchase
Anonymous
#1118902
Ihad the same problem first time using the emerald card never again
Anonymous
#1062107
If I put money in my epocket and if a billing payment trys to take money will the money be taken if none in account but it's in epocket
Anonymous
#988387
H&R block has the best card I ever got no monthly fees like most cards do.If u like complain about fees read the paper for the card first.Same as if u have first hawaiian and you go to bank of hawaii ATM your gonna get a fee hello.well any ways wanna complain no ones fault but yours.....8)
satisfied customer
Elizabeth City, North Carolina, United States #766462
I think that the emerald card was intended to be used as a regular plane-jane day-to-day debit card. I have my veterans administration disability check direct deposited to the card monthly and I never have any issues with it. as for atm fees, that's kind of obvious. not even gonna go there. the $20 fee for paying a car payment? sounds to me like the dealership is trying to make extra beer money off you. ive never been charged any "hidden fees" or any *** like that ever. ive never had an issue other than my credit sucks (which is my own fault) and I don't get enough from the va. not trying to bash anyone, but technically the emerald card is a "product", and you chose it in a free market, where there are other competitive companies who would like your business. like I said, ive never had an issue, and I really like the emerald card as an option for my tax return and for a direct deposit option. way better and less mickey-mouse-ey than the *** money network card ive been given by a few previous employers where it charged anywhere from 25 cents to a dollar 25 per transaction, plus atm fees.

my point is, if it works for you like it does for me, great. keep using it like I will. if not, seek a different option. if im not mistaken, for an extra fee you can have it deposited to your wells fargo or usaa accounts by using h & r block. or you can use turbotax and do whatever they do. also, hr block gave me my state refund for free, and charged me like $25 or something
... Show more
Anonymous
Brooklyn, New York, United States #676790
They charge me one dollar every time I try to make a transaction that gets somehow canceled. So lets say I go to an ATM to try and withdraw 20 dollars with 22 on my card and the bank charges 3 dollars to withdraw so it doesn't work and gets denied ill randomly be alerted that 1 dollar has been withdrawn. At first I didn't bother complaining but after a while it gets pretty annoying that they take a dollar for literally no reason.
Car Payment
Atlanta, Georgia, United States #621782
I just tried to make a car payment via phone and they told me that the Emerald Card typically charges $20+ to make that payment over the phone.... Some kind of Charge->Cash transaction or something. I'm having the funds transferred to my regular bank account. I should have done that in the first place.

As far as fees, I haven't been charged any. I just checked my transactions and see no fees.
HRB Employee
#613190
Hey guys, no-one is "sitting" on your return. The IRS has to process the return in order for them to issue a refund. 8-15 days is the average time for all returns to be processed and refunded. No one is ripping you off. As a matter of fact, it cost 24.95 in bank fees for the card, 34.95 for direct deposit, and 54.95 for IRS check. So if anybody is ripping you off it is the IRS. If you dont like the way HR Block does business then I suggest taking a tax course and doing them by hand by yourself. Either that or take your chances on TurboTax (lol).
Elizabeth
to HRB Employee Pittsburgh, Pennsylvania, United States #613290
I realize you're an HRB employee, and that you feel obligated to stand up for their services. Fact of the matter is, you guys charge hundreds of dollars to sit there and type on a computer, and say here please sign these forms. I know this, my husband used to go there all the time and get charged $600+ just to do his tax returns, plus all the other fees it entailed. Past 3 years we did TurboTax, $60 to do his state and federal, got way more money back then would have from HRB because of their outrageous fees, and got our money in 8 days without problems. We were also able to go to my bank in which I hold an account, and pull all his money off his Netspend card from TurboTax FOR FREE! No hidden charges at all. So to take the chance of, not sitting at an HRB office for hours on end, and not having to pay outrageous fees, to just sit at home, on TurboTax for an hour or less, depends on your typing speed, and have it done for $60, well I'll take "that chance" every single year. Oh, and please don't use your commercial promos of, "if something happens we protect you and back you up, no on else does that." Well Turbotax does for free and HRB doesn't do it at all. Before I got married, my husband got audited after using HRB services for years, and got stuck paying close to $3000, because HRB did not have his back and protect him.
rongavaldon
Do not fall for this card the fees are outrageous, plus they sit on your dime to grab the interest it will accumulate. they are planning on sitting on mine for 14 days. Just called their *** on it!!!
To top it all off i got charged fees for not even using the *** card!! Duh It was only used till i got my return monies out of it.
Once again peeps,
DO NOT FALL FOR THIS!!!
have the funding direct deposited to your bank....
Less monies in the long run and way less hastle.. Plus you bank will not sit on it!!!

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