Bank Help

1. Is there an H&R Block Bank location in my area?
At this time, our only branch is at One H&R Block Way Kansas City, MO.

2. How can I access the bank forms I need to conduct business?
All forms are found in the Bank Help Center. Simply click the Forms icon and select the form you are looking for.

3. How do I make deposits?
Use the online deposit slip, or you can set up recurring transfers from your hometown bank by using the automatic deposit/withdraw request form. Complete and send to the address or fax number at the top of each form.

4. Is H&R Block Bank FDIC insured?
Yes, your funds are insured up to $250,000 for each depositor, per FDIC guidelines.

5. How can I set up online banking?
Call 888-687-4722 to set up your online account. Upon signing up, we will mail you information on how to log in and set up your bill payments.

6. How can I withdraw funds from my account?
You may withdraw funds by completing the withdrawal request form and sending it to the address or fax number listed at the top of the form.

7. How can I get the Emerald Advance line of credit?
The Emerald Advance line of credit will be available in H&R Block tax offices starting in November, 2008. You may also call Emerald Card customer service at 866-353-1266 for more information.

8. How do I set up direct deposit for my Emerald Prepaid MasterCard^®?
You'll need to fill out a direct deposit form and mail it to the address at the top of the form.

9. How can I set up online banking for my Emerald Prepaid MasterCard?
To set up online banking, you'll need to call Emerald Card customer service at 866-353-1266.

10. How can I get another card issued for my Emerald Prepaid MasterCard?
To get another card issued, you'll need to call Emerald Card customer service at 866-353-1266.

How can I open an account?
You can get started by downloading an application, filling it out and mailing it to us. Learn more about opening an account online.

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 Savings account for a minor can be opened for $10.

What minimum balance must I maintain to avoid service charges?
Service charges are waived on Block Savings Accounts maintaining a minimum balance of $100 per quarter.

How do I make a deposit to my account?

1. Direct deposit: Have your payroll or any other payment to you directly deposited into your H&R Block Savings account. The H&R Block Bank routing number (101089700) and your account number will be required for all direct deposits.

2. U.S. mail: Mail endorsed checks and a deposit slip with your account number to H&R Block Bank, P.O. Box 30227, Omaha, NE 68103. Download a deposit slip.

3. Internet/phone/ATM: These methods allow transfers between your accounts held at H&R Block Bank.

4. ACH transfer from an account at another financial institution

5. Wire transfer from another financial institution: H&R Block Bank's routing number (101089700) and your account number are required.

How do I withdraw funds from my 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:

1. ATM: Get quarterly refunds up to $12.00 on non-H&R Block ATM transactions.

2. Internet/Phone/ATM: To transfer to another account held at the H&R Block Bank (e.g., a checking account, savings account or money market account).

3. 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.

4. 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.

What restrictions are there with my savings account?
Federal bank regulations permit you to make up to 6 transfers to third parties from a Savings account during a statement cycle. Only 3 of these transfers can be in the form of a paper draft or debit card transaction. 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 restrictions are there with my money market account?
Federal bank regulations permit you to make up to 6 transfers to third parties from a money market account during a monthly statement cycle. Only 3 of these transfers can be in the form of a check, paper draft or debit card transaction. 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 (1-888-687-4722).

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
(1-888-687-4722).

If your card is used at a MasterCard^® merchant, you will have no liability for unauthorized transactions. If the card is used at a non-MasterCard merchant, your liability is capped at $50 if you 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 for a lost or stolen card is $500.

If you fail to report unauthorized Electronic Fund Transfers (EFTs) appearing on a statement within 60 days of the statement date, your liability should not exceed the combination of:

• The lesser of $50 or the amount of unauthorized EFTs that appeared on the statement or occurred during the 60-day period from the date of the statement.
• The amount of the unauthorized EFTs 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.

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 (1-888-687-4722).

How do I dispute a charge on my ATM/debit card?
Contact us immediately at 1-888-OUR-HRBB (1-888-687-4722).

What should I do if my checks are lost or stolen?
Contact us immediately at 1-888-OUR-HRBB (1-888-687-4722).

Do you share my information with other companies?
H&R Block Bank may provide your information to its affiliates within the H&R Block family of companies in an effort to better serve your financial needs.

We may also share information with affiliated or non-affiliated third party service providers to perform certain functions on our behalf, to provide you with products and services that you have requested. These disclosures are subject to an appropriate contractual confidentiality pledge and solely for the purpose and only to the extent necessary to carry out the contractual purposes, or as otherwise permitted or required by law.

Refer to Our Privacy Statement

How do I know the online banking information I send through the Internet is safe?
We have high criteria to secure your banking information online.

• Your banking information never travels the Internet without encryption protection.
• Sessions will automatically log out after a period of inactivity.
• PIN guessing is deterred by locking an account after a set number of unsuccessful login attempts.

Nonetheless, it is always advisable for you to follow basic steps to protect your accounts, such as never sharing your username and password and always exiting the online banking application when you have completed your session.

What is identity theft and what steps can I take to prevent it?
Identity theft occurs when someone uses your personal information without your consent to commit fraud. Criminals can use personal information such as a name, social security number, mother's maiden name and account-related information such as account number, username and password to impersonate another individual.

While you cannot guarantee you will not become a victim of identity theft, you can take steps to minimize your risk:

• Never share your online user IDs, passwords and PINs with others, and do not leave this information anywhere others can easily gain access to it.
• When establishing your PIN or password, avoid easily guessed or common names and numbers (e.g., mother's maiden name, children's names, birth date, social security number and phone number). Change your passwords regularly.
• Keep legal documents such as your social security card and birth certificate in a safe place. Do not carry these types of documents on your person.
• Do not give out personal information on the phone, through the mail or on the Internet unless you've initiated the contact or are sure you know the company with which you are dealing.
• Report lost or stolen checks, credit cards and ATM or debit cards immediately to H&R Block Bank. Close unused credit card accounts and destroy the credit card.
• Request a copy of your credit report and be aware of who is accessing it. You can also request to only have the last four digits of your SSN to display on your credit report by calling each credit bureau.
• Protect your mail and trash. Understand your billing cycles and sign up for electronic bill payment if available. Shred documents with personal information before discarding them.

More information about identity theft and preventing it can be found at the Federal Trade Commission's Web site.

What should I do if I believe I am a victim of identify theft?
Refer to the Federal Trade Commission's Web site at http://www.ftc.gov/bcp/edu/microsites/idtheft/ for specific steps to take in the event of identity theft.

• Place a fraud alert on your credit reports with each credit bureau.
• Close accounts that you believe have been tampered with or opened fraudulently.
  Contact us immediately at 1-888-OUR-HRBB (1-888-687-4722) regarding your H&R Block accounts.
• File a report with local police or police in the community where the identity theft took place.
• File a complaint with the Federal Trade Commission. This can be done by calling (877) IDTHEFT (1-877-438-4338) or using the online form.

What services are available through online banking?
Online banking allows you to access your account anytime from anywhere you access the Internet. Use online banking to:

• Check your account balance.
• View transaction history, check images and statements.
• Export your account transactions for use in other software applications.
• Pay bills from your H&R Block Bank checking account.
• Transfer money between your H&R Block Bank accounts.
• Request stop payments.
• Communicate through secure messaging with the H&R Block Bank.
• Set up personal alerts (e.g., request an e-mail when your account drops below a certain balance).

How much does online banking cost?
Online banking is provided at no charge to our customers. Charges may apply, however, for online bill payment. Please confirm current pricing for paying bills online when you call to register at 1-888-OUR-HRBB (1-888-687-4722).

How do I sign up for online banking?
Contact us at 1-888-OUR-HRBB to enable your online banking services. Upon signing up, we will mail you information on how to log in and set up your bill payments.

Where and when can I use online banking?
Online banking is available 7 days a week, 24 hours a day, except for regular maintenance which is usually early in the morning once a month and for a short period of time. You can access your account anywhere you have access to the Internet.

Are there special software or computer requirements to bank online?
No special software is required as long as you use an SSL-compliant Internet browser. Browsers currently supported include Microsoft Internet Explorer version 5.x and 6.x, Netscape Navigator version 7.x and higher, AOL version 4.x and 7.x and higher, and for Macintosh, Mac PowerPC Netscape 7.x.

You can test your current browser by going to the online banking login page and clicking the "test browser" link in the upper right corner.

How do I know the online banking information I send through the Internet is secure?
H&R Block Bank maintains physical, electronic and organizational safeguards to protect customer information. We continually assess our policies and practices, monitor our computer networks, and test the strength of our security to help us ensure the safety and integrity of customer information.

• Your banking information never travels the Internet without encryption protection.
• Sessions will automatically log out after a period of inactivity.
• PIN guessing is deterred by locking an account after a set number of unsuccessful login attempts.

What do I need to do if I forgot my online banking username or password?
Contact us toll-free at 1-888-OUR-HRBB (1-888-687-4722).

What do I need to do if I am locked out of my account?
Contact us toll-free at 1-888-OUR-HRBB (1-888-687-4722).

Which accounts can I access online?
Any of your H&R Block Bank accounts can be viewed online.

How current is the account information I view online?
Your available balance viewed through the online banking application reflects transactions occurring throughout the day. Your account transaction history is current through the prior day-end processing cycle.

Can I download my account information to other programs such as Microsoft^® Money?
Yes. From the Account Listing screen, simply select download from the dropdown box to the right of the account from which you wish to download.

How can I open an account?
You can get started by downloading an application, filling it out and mailing it to us. Learn more about opening an account online.

What is the minimum amount required to open an account?
An Block Bank IRA can be opened for as little as $100. A CD can be opened for as little as $250, unless otherwise stated.

How do I fund my account?
When opening a CD or IRA, you may send a check along with your paper application. You may also fund your account electronically. Instructions for electronic funds transfer are provided in our Deposit Account Application. (You may contribute to your IRA, subject to annual limits set by the IRS.) Download an IRA contribution form.

How do I redeem a CD?
You will be notified prior to the maturity of your CD, at which point you can contact us to redeem it. If you do not contact us, we will automatically renew your CD and it will continue to earn interest at the then current rate.

Redemptions can be mailed to you, transferred into another H&R Block Bank account or electronically sent to another financial institution at your request.

Should you decide to redeem your CD prior to maturity, penalties may apply.

Where do I find the Bank's current rates?
View current rates.

How do I change beneficiaries on my IRA?
Complete and mail the Change of Beneficiary Form.

How can I open an account?
You can get started by downloading an application, filling it out and mailing it to us. An account can't be opened over the phone. Learn more about opening an account.

What is the minimum amount required to open an account?
Accounts can be opened with an initial deposit as low as $25.

What minimum balance must I maintain to avoid service charges?
Minimum balance requirements vary by the account type. Regular service charges are waived on Block Checking accounts if you maintain a minimum balance of $300 or if you have a direct deposit to your account such as your paycheck. Regular service charges are waived on Block Interest Checking on accounts maintaining a minimum balance $500 or more. Fees may be assessed if minimum balance requirements are not met. Service charges are waived on Block Money Market Accounts maintaining a minimum balance of $1,000.

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 Account. The H&R Block Bank routing number (101089700) 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
  H&R Block Bank
  P.O. Box 30227
  Omaha, NE 68103
  Download a deposit slip.
• Internet/phone/ATM. These methods allow transfers between your accounts held at H&R Block Bank.
• ACH transfer from an account at another financial institution.
• Wire transfer from another financial institution. H&R Block Bank's routing number (101089700) and your account number are required.

Will my account earn interest?
The Block Interest Checking Account earns interest on balances $500 or more. View current rates.

How do I re-order checks or deposit slips?
Order checks and deposit slips from a secure Web site.

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, fill it out and mail it to H&R Block Bank, P.O. Box 10364, Kansas City, MO, 64171-0364. You may also fax the request to 816-854-8050.

You may also call H&R Block Bank at 1-888-OUR-HRBB (1-888-687-4722) 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. You must make the request 3 business days or more before the payment is scheduled to be made.

What should I do if my ATM/debit card is lost or stolen?
Call us immediately at 1-888-OUR-HRBB (1-888-687-4722).

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
(1-888-687-4722).

If your card is used at a MasterCard^® merchant, you will have no liability for unauthorized transactions. If the card is used at a non-MasterCard merchant, your liability is capped at $50 if you 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 for a lost or stolen card is $500.

If you fail to report unauthorized Electronic Fund Transfers (EFTs) appearing on a statement within 60 days of the statement date, your liability should not exceed the combination of:

• The lesser of $50 or the amount of unauthorized EFTs that appeared on the statement or occurred during the 60-day period from the date of the statement.
• The amount of the unauthorized EFTs 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.

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 (1-888-687-4722).

How do I dispute a charge on my ATM/debit card?
Contact us immediately at 1-888-OUR-HRBB (1-888-687-4722).

What should I do if my checks are lost or stolen?
Contact us immediately at 1-888-OUR-HRBB (1-888-687-4722).

What is overdraft protection?
H&R Block Bank's overdraft protection establishes a line of credit to cover your checks or debit card purchases in the event your account does not have sufficient funds to pay presented items. You will be charged interest if the line is used, but will avoid the fees and potential credit impact associated with having your check returned.

As an alternative, you may also link other accounts (e.g., a savings account) to your checking account to provide for an automatic transfer of funds if it is needed.

How do I apply for overdraft protection?
If you already have a checking account with H&R Block Bank, download the application now.

How much does overdraft protection cost?
There are no set up or maintenance fees associated with H&R Block Bank's overdraft protection. But there are interest charges assessed on your balance if the overdraft protection line of credit is used. See the current rates associated with the line of credit.

IRA Distribution Form
Purpose: To withdraw money from an H&R Block Easy IRA.

Automatic Deposit/Withdraw Request Form
Purpose: This form can be used to initiate a 1-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.

Withdrawal Form
Purpose: To withdraw funds from an H&R Block Bank Checking, Savings or Money Market account. (To withdraw funds from an IRA, use the IRA Distribution Form. To withdraw funds from your CD, please use the CD Redemption Form.)

CD Redemption Form
Purpose: To withdraw funds from an H&R Block Bank CD. (To withdraw money from an IRA, use the IRA Distribution Form.)

Deposit Slip
Purpose: To make deposits into an H&R Block Bank Checking, Savings or Money Market account.

Deposit Account Application
Purpose: To apply for a checking, savings or money market account, or CD with H&R Block Bank.

Change of Address
Purpose: This form should be used to change the address, phone number or e-mail address on accounts held with the H&R Block Bank.

Direct Deposit Form
Purpose: This form is used to set up, change or cancel a monthly direct deposit to your H&R Block Bank account.

Change/Add Beneficiary for IRA
Purpose: The IRA Designation or Change of Beneficiary Form for traditional, Roth and SIMPLE IRAs is designed to assist you in selecting or changing the current beneficiary designation of your IRA.

Change/Add Beneficiary for Checking, Money Market, Savings or CD
Purpose: To change or add a beneficiary to an H&R Block Bank Checking, Money Market or Savings account, or CD.

Wire Request
Purpose: For wiring funds from an H&R Block account to an account held at another financial institution.

Form: Automatic Deposit or Withdrawal
Purpose: This form can be used to initiate a 1-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

Form: Business Account Application
Purpose: To apply for a Business Checking Account with H&R Block Bank.

Form: Deposit Account Application
Purpose: To apply for a Checking, Savings or Money Market account, or CD with H&R Block Bank.

Form: Deposit Slip
Purpose: To make deposits into an H&R Block Bank Checking, Savings or Money Market account.

Form: Stop Pay Request
Purpose: To request that payment be stopped on an outstanding check drawn on your H&R Block Bank account.

Form: Wire Request
Purpose: To wire funds from an H&R Block account to an account held at another financial institution.

Form: Withdrawal Slip
Purpose: To withdraw funds from an H&R Block Bank Checking, Savings or Money Market account. (To withdraw funds from an IRA, please use the IRA Distribution Form. To withdraw funds from your CD, please use the CD Redemption Form).

Form: Automatic Deposit or Withdrawal
Purpose: This form can be used to initiate a 1-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.

Form: Deposit Account Application
Purpose: To apply for a Checking, Savings or Money Market account, or CD with H&R Block Bank.

Form: Deposit Slip
Purpose: To make deposits into an H&R Block Bank Checking, Savings or Money Market account.

Form: Wire Request
Purpose: To wire funds from an H&R Block account to an account held at another financial institution.

Form: Savings Withdrawal
Purpose: To withdraw funds from an H&R Block Bank Checking, Savings or Money Market account. (To withdraw funds from an IRA, please use the IRA Distribution Form. To withdraw funds from your CD, please use the CD Redemption Form.

Form: CD Redemption
Purpose: To wire funds from an H&R Block Bank CD Account. (To withdraw money from an IRA, use the IRA Disbursement Request Form).

Form: Wire Request
Purpose: To wire funds from an H&R Block account to an account held at another financial institution.

Form: Deposit Account Application
Purpose: Application to open a Checking, Savings or Money Market account, or CD with H&R Block Bank.

IRA Distribution Form
Purpose: To withdraw money from an H&R Block Easy IRA.

How long will it take to process my request?
Upon receiving your form, it will take approximately 7 to 10 days to process your request.

What do I do with the form? The following are the fields that must be completed before processing: account number (or SSN), name, distribution amount, method of payment (include new address if different from account), signature and date. The following are recommended fields for H&R Block Easy IRA distributions: withholding election and distribution. Once completed, either fax to 1-866-812-3144 or mail to:

H&R Block
P.O. Box 2569
Omaha, NE 68103-2569

Form: Change of Beneficiary
Purpose: The IRA Designation or Change of Beneficiary Form for traditional, Roth and SIMPLE IRAs is designed to assist you in selecting or changing the current beneficiary designation of your IRA.

Form: Roth IRA CD Application
Purpose: This form contains all the necessary steps to establish a Roth IRA CD. In addition to this application, also complete the Deposit Account Application.

Form: Traditional IRA CD Application
Purpose: This form contains all the necessary steps to establish a traditional IRA CD. In addition to this application, also complete the Deposit Account Application.

Form: Consumer Loan Application or apply online
Purpose: This form should be used to apply for an Overdraft Line of Credit attached to your H&R Block Bank Checking account or a consumer loan secured by an H&R Block Bank CD. If you are interested in a home mortgage or home equity loan or line of credit, please submit our Mortgage Pre-qualification form.

Form: Direct Payment of Loan
Purpose: This form can be used to initiate a 1-time or recurring transfer from a deposit account held at the H&R Block Bank or an external financial institution for the purpose of making payment on a loan held at the H&R Block Bank. The same form can be used to establish a new transfer, change an existing transfer or cancel future transfers.

Form: Mortgage Pre-qualification
Purpose: The pre-qualification sheet allows H&R Block Bank to collect information necessary to provide you with specific home financing alternatives.

Form: Affidavit of Domicile
Purpose: This affidavit is required to establish an estate account or transfer assets held in the name of a decedent to another account held at H&R Block Bank when:

• The account holder of an individual account is deceased.
• One or both account holders of a joint account are deceased.

The form must be filled in and signed before a notary.

Form: Interested Party
Purpose: This form should be used to designate interested parties to be added to or removed from your account(s). You can authorize interested parties to make phone inquiries on your account or to receive a duplicate copy of your statements.

This form will not grant Power of Attorney and does not provide authority to request distributions from an account.

Form: Power of Attorney
Purpose: This Power of Attorney certification form is required to grant an individual Power of Attorney over 1 or more accounts held with H&R Block Bank.

Form: Switch Kit
Purpose: To make your move to our institution as convenient as possible, use our switch kit to aid you with shifting your prior banking relationships to H&R Block Bank.