I will never return to h&r block EVER!!! They advertise a free tax prep with a refund available up to $3000 advance at no charge. This is the worst case of bait and switch I've ever seen. Not only do you not receive the advance in full you receive the partial advance on what they call the EMERALD CARD which is the biggest rip off in the world. The card is connected to no bank so every withdrawal comes with a $3.50 charge from Block but also a charge from any ATM. You choose to use. Even purchases include a charge. This is a total rip off. I called the Wilmington office to check on these services before I went there and was lied to. Theynassured me I would leave with mynrefund check the same day. So needless to say i was more than a little upset when my tax prepare handed me the ridiculous Emerald card rip off. Save your money and your sanity and either do your taxes yourself or have another more reputable business do them for you. I will never go back there and urge anybody and everybody to do the same. RIPOFF BAIT AND SWITCH SWINDLERS. read more