I TOOK THE ADVANCE FROM THE EMERALD CARD FROM THE HR BLOCK AND THE EMERALD CARD TOOK SOME OF MY MONEY THAT WAS SUPPOSED TO BE SENT TO THE IRS AND MONTHS LATER I HAPPEN TO FIND OUT THAT THE EMERALD CARD NEVER SEND MY MONEY TO THE IRS AND THEY JUST KEPT IT. I CALLED REQUESTING INFORMATION AND A PRINT-OUT OF MY STATEMENT AND THE OPERATOR SAID SHE WOULD SEND IN VIA MAIL, ITS BEEN NINE MONTHS AND TO THIS DATE I CANNOT GET ANY PAPERWORK FROM THEM, THEY JUST TAKE YOUR MONEY AND THEN IT IS A PAIN TO GET ANYTHING FROM THEM... I WOULD NOT RECOMMEND THIS OPTION TO ANYONE... PLEASE EVERYONE AVOID GETTING THE EMERALD CARD... read full review »