2009 - H&R Block and it's bank are scamming it's customer who normally file for a rapid refund. Customers who have always gotten a rapid refund are now being denied and being told that each year, "Our criteria changes." Yet, their funds are obligated to the Emerald Card and the fees associated with the card ($35 annual fee). For the past two years as a single mom who helps her sister through college, I have gotten a rapid refund through H&R block. I know the fees are high, but I also need the money and my sister... read full review »