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H&R Block Bank

  
Savings and Money Market Accounts
&
  • How can I open an account?
  • What is the minimum amount required to open an account?
  • What minimum balance must I maintain in order to avoid service charges?
  • How do I make a deposit to my account?
  • How do I withdraw funds from my account?
  • Where do I find the Bank's current rates?
  • Can I use an ATM card to access my savings or money market account?
  • What restrictions are there with my savings account?
  • What restrictions are there with my money market account?

How can I open an account?
 You can get started by downloading an application form and mailing it to us. You may also call us toll-free at 1-888-OUR-HRBB (1-888-687-4722). Learn more about opening an account.

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What is the minimum amount required to open an account?
 A Block Savings or Money Market account can be opened for as little as $25.

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What minimum balance must I maintain in order to avoid service charges?
 Regular account maintenance service charges are waived on Block Savings Accounts maintaining a balance of $100 or more. Regular account maintenance service charges are waived on Block Money Market Accounts maintaining a minimum balance of $1,000.

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How do I make a deposit to my account?
 Deposits can be made to an existing account by:
  1. Direct Deposit. Have your payroll or any other payment to you directly deposited into your Block Savings or Money Market account.
  2. U.S. Mail. Mail endorsed items and a deposit slip with your account number to H&R Block Bank PO Box 10364, Kansas City, MO 64171-0364. If you are out of deposit slips, you can download one from our site.
  3. Internet/Telephone/ATM. These three methods allow transfers between your accounts held at the Bank.
  4. ACH transfer from an account at another bank.
  5. Wire Transfer from another bank. The other bank will require the H&R Block Bank's routing number, which is 101089700.

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How do I withdraw funds from my account?
 You are allowed unlimited withdrawals in person, by phone or by U.S. Mail. You are allowed to write up to three checks on your Money Market account per monthly statement cycle. You are also allowed up to six free ATM withdrawals per quarter on your Block Savings Account. Each transaction above this limit will be charged a $1.00 fee. ATM surcharges charged by the ATM owner will be refunded to you up to 6 transactions per quarter (refund maximum of $2 per transaction and a total of $12 per quarter).

You can withdraw funds from your Savings or Money Market using one of the following methods:

  1. An ATM.
  2. Internet/Telephone/ATM to transfer to another account held at the Bank (e.g., a checking account, savings account or money market account).
  3. Request an official bank check be mailed to you or funds be transferred to another account at the H&R Block Bank or electronically sent to another bank using the following withdrawal form.
  4. Request funds be wired to an account held at another bank using the following wire request form.

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

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Can I use an ATM card to access my savings or money market account?
 Yes, you can use your H&R Block Bank ATM or debit card with your Savings or Money Market account to verify balances, withdraw funds or transfer funds to one of your other accounts at the H&R Block Bank.

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What restrictions are there with my savings account?
 You can make up to six withdrawals per quarter without charge. Each transaction above this limit will be charged a $1.00 fee. ATM surcharges charged by the ATM owner will be refunded to you up to six transactions per quarter (refund maximum of $2 per transaction and a total of $12 per quarter).

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What restrictions are there with my money market account?
 Federal bank regulations permit you to make up to six transfers to third parties from a Money Market Checking account during a monthly statement cycle. Only three of these transfers can be in the form of a check, paper draft or with your 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 a non-interest bearing checking account.

Federal regulations do permit, however, you to make unlimited ATM withdrawals, transfers to other H&R Block Bank accounts and telephone withdrawal requests during a statement cycle.

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H&R Block Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. NOW Accounts with interest rates above 0.25% for any balance level are not included in this program.

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