Tax Office Products

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Products & Services for Your Tax Situation
See how you can receive your refund, federal and/or state refund anticipation check, or classic refund anticipation loan, pay your balance due or start saving for your financial future when you get your taxes prepared in an H&R Block office. Our tax office products offer a convenient way for you to save for your financial goals or borrow money to accomplish short-term goals. Plus, our expertise products make sure you're completely satisfied and you get the refund (or lowest tax liability) you're entitled to receive.
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Savings
H&R Block Emerald Savings™    Our H&R Block Emerald Savings™account, available exclusively through H&R Block tax offices, allows you to save for your short- or mid-term financial goals. This account is currently offering a 1.00% annual percentage yield2 and can be opened for as little as $300 when you get your taxes done with an H&R Block tax professional. It can even be funded directly from your refund. In addition, you can access your money with our H&R Block Emerald Prepaid MasterCard®1. Saving has never been more convenient!


H&R Block Easy IRA®    Our H&R Block Easy IRA® account allows you to save for your long-term financial goals. This account is currently offering a 1.00% annual percentage yield2 and can be opened for as little as $300. You may even have potential tax breaks on your current year tax return, and you could be eligible for the Saver's Credit. Save the easy way with an H&R Block Easy IRA!
Refund Settlement Options
Federal Refund Anticipation Check (Federal RAC)3    Pay for your tax preparation fees out of your federal RAC proceeds and pay no out-of-pocket expenses at the time of your tax preparation appointment. Plus, you can get the remaining balance of your federal RAC on an H&R Block Emerald Prepaid MasterCard®, as a check or direct deposit in approximately 8 to 15 days. Federal RACs are available starting Jan. 16, 2009. Special note: You may bring your W-2s into an office beginning Jan. 2, 2009. H&R Block will submit your RAC application to the RAC service provider for review when the IRS begins to accept e-filed returns Jan. 16, 2009.
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State Refund Anticipation Check (State RAC)3    Get the balance of your State RAC on an H&R Block Emerald Prepaid MasterCard®, as a check or direct deposit in approximately 8 to 15 days. State RACs are available in most states for $13 starting Jan. 16, 2009.
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Instant Money Refund Anticipation Loan (Instant Money RAL)4    File your taxes at H&R Block and apply for an Instant Money RAL. You could receive a loan up to $2,800 (less bank and H&R Block fees) on the spot. Get a lower price on your Instant Money RAL when you load the loan proceeds on an H&R Block Emerald Prepaid MasterCard® instead of receiving a check. You'll enjoy the safety and convenience of a card to use anywhere MasterCard® debit cards are accepted. Get your H&R Block Emerald Prepaid MasterCard® or your loan check the same day your loan is approved. Instant Money RALs are available starting Jan. 16, 2009, through Feb. 12, 2009.
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Classic Refund Anticipation Loan5 (Classic RAL)    File your taxes at H&R Block and apply for a Classic RAL. If approved, you could receive a loan up to the amount of your anticipated tax refund, less bank and H&R Block fees. Your loan proceeds will be available within 2 days of filing your return. Plus, your H&R Block tax preparation fees are withheld from your loan proceeds, so you pay nothing out of pocket. Get a lower price on your Classic RAL when you load the loan proceeds on an H&R Block Emerald Prepaid MasterCard® instead of receiving a loan check. Get the safety and convenience of an H&R Block Emerald Card and use it anywhere MasterCard® debit cards are accepted. Classic RALs are available starting Jan. 16, 2009. Special note: You may bring your W-2s into an office beginning Jan. 2, 2009. H&R Block will submit your RAL application to the lender for review when the IRS begins to accept e-filed returns Jan. 16, 2009.
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Prepaid Card Program
H&R Block Emerald Prepaid MasterCard®    Keep more of your hard-earned money with the H&R Block Emerald Prepaid MasterCard. Put your refund on the H&R Block Emerald Card® and make purchases anywhere MasterCard® debit cards are accepted, get cash and reload your card. Using your refund has never been safer or more convenient.
Line of Credit
H&R Block Emerald Advance™ Line of Credit    You could get quick access to money year-round with the H&R Block Emerald Advance line of credit. Use the money for emergencies like car repairs, bills and other short-term needs.
Expertise Products
H&R Block Guarantee    We promise you'll be satisfied with our service, or you don't have to accept and pay for your tax return. As part of your tax preparation services you also receive The H&R Block Guarantee and the Maximum Refund Guarantee.


Peace of Mind® Extended Service Plan6    For just $30, you can purchase the Peace of Mind® Extended Service Plan and gain extra confidence. If you owe additional taxes due to our error in the preparation of your return, we'll pay up to $5,000. If you are audited, a qualified H&R Block enrolled agent will accompany or represent you (with signed Power of Attorney). Peace of Mind® is included with the cost of tax preparation in our Premium offices.


Second Look® Review    Get a second opinion on your taxes. With a Second Look review from H&R Block, we'll review your taxes — no matter who did them — for just $29. In the past, we found errors on 4 out of 5 returns that were brought to us for a Second Look® review.7


Tax Audit Support    If you are being audited, H&R Block is on your side. From the time you receive an IRS notice to when the audit is resolved, you can call on H&R Block to help you through the process with our Audit Assistance or Audit Representation8 services.
Don't miss out on money you deserve! An H&R Block tax pro can help you maximize deductions and get the refund you're entitled to. Find an office.
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1 The H&R Block Emerald Prepaid MasterCard® is issued by H&R Block Bank, a Federal Savings Bank, Member FDIC. Fees may apply. MasterCard® is a registered trademark of MasterCard International Incorporated. H&R Block Emerald Card is a trademark of HRB Innovations, Inc. This product may not be available at some locations. This product may be covered by 1 or more of the following U.S. Patents: 6,000,608, 6,189,787, 7,072,862, 7127,425, and 7,177,829.

2 Annual Percentage Yield. Rates are variable and subject to change. Banking services offered through H&R Block Bank, a Federal Savings Bank, Member FDIC. Fees may apply. At participating offices. To the extent and Emerald Savings or Easy IRA account is subject to any account fees, the overall earnings on the account will be reduced. H&R Block Emerald Savings and H&R Block Easy IRA are trademarks of HRB Innovations, Inc.

3 RAC Provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.

4 Subject to credit approval and other qualifications. Instant Refund Anticipation Loan ("Instant RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. Your anticipated federal income tax refund must be greater than the loan amount. A Refund Account fee and a Finance Charge are charged by the lender. An affiliate of H&R Block may purchase an interest in Instant RALs. You may not qualify for an Instant RAL, but may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced for certain debt owed to HSBC Taxpayer Financial Services Inc. and its affiliates, and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refunds in 8 to 15 days.

5Subject to credit approval and other qualifications. Refund Anticipation Loan ("RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. A Refund Account fee and a Finance Charge are charged by the lender. An affiliate of H&R Block may purchase an interest in RALs. If you apply for an Instant RAL, and you don't qualify, you may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced for certain debt owed to HSBC Taxpayer Financial Services Inc. and its affiliates, and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refunds in 8 to 15 days.

6 H&R Block provides tax advice only. Consult your own attorney for legal advice. Power of Attorney required. Void where prohibited. Conditions apply. See Peace of Mind® Extended Service Plan terms for details.

7 Error and average savings claims are for calendar year 2007. Individual results will vary. Fees apply for Second Look reviews and if you have us prepare a corrected or amended return. At participating offices.

8 Tax Audit Support constitutes tax advice only. Consult your own attorney for legal advice. Additional fees and conditions apply. At participating offices. Power of Attorney required for Audit Representation services.
Guarantees
Tax Office Products
Extra Assistance