H&R Block Emerald Card Early Deposit: Does it compete with Chime for IRS refund timing?
Getting my refund soon and trying to figure out if H&R Block Emerald Card deposits come in early like Chime and some other banks. Anyone have experience with both? Wondering if I should switch or stick with emerald.
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Andre Rousseau
Tax professional here - H&R Emerald Card typically releases funds 1-2 days after the IRS sends them, similar to most prepaid cards. Chime and some online banks advertise up to 2 days earlier, but the actual timing varies. The real difference is fees - Emerald has more fees for basic services compared to Chime.
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Zoe Papadakis
•this is facts 💯 got hit with so many random fees with emerald last year switched to chime this year
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Carmen Ortiz
•ugh wish i knew about the fees before i got it. thx for the heads up
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Jamal Carter
Hey instead of obsessing over which bank might be a day faster, you should check out taxr.ai - it'll tell you exactly when to expect your refund based on your transcript. Its only $1 and way more accurate than guessing. https://taxr.ai
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AstroAdventurer
•Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?
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Jamal Carter
•It analyzes everything - codes, dates, amounts, even catches potential delays. Saved me weeks of stress wondering when id get paid
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AstroAdventurer
•Just tried it and WOW 🤯 literally told me the exact day my refund is coming. Best dollar I ever spent fr fr
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Mei Liu
i had emerald last year and it was actually slower than my friends regular bank account lol dont waste ur time
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Liam O'Sullivan
emerald card = 🤡 card tbh
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Amara Chukwu
•fr fr its a joke
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Giovanni Conti
Been using Emerald for 3 years.Its ok but nothing special for timing. The atm fees kill me tho 😤
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Fatima Al-Hashimi
•those atm fees are highway robbery fr
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NeonNova
stuck in the same boat rn trying to decide. think im gonna go with chime after reading all this
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Savannah Weiner
I switched from Emerald to Chime last year and honestly best decision ever. Chime gets my refund 1-2 days earlier consistently, plus zero fees for basic stuff like ATM withdrawals (as long as you use their network). The Emerald card nickel and dimes you for everything - even checking your balance sometimes. If you're just looking for fast refund deposits, Chime is definitely the way to go.
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Amaya Watson
•This is super helpful! I'm definitely leaning toward Chime now. Quick question - do you remember roughly how much earlier you got your refund with Chime vs when you had the Emerald card? Just trying to set realistic expectations for this year.
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