Customer Service Is Key...
I also had a problem with the Emerald Card. I made 2 purchases with my card at 2 different restaurants on 2 different days. When I looked at my statement, it showed the 1st purchase that was pending still deducted (bill without tip) and then a second purchase (bill with tip) also deducted. I called customer service immediately, and I was told that I personally had to contact each restaurant and get in writing that the funds for the first 2 charges could get released back to my card. I have NEVER heard of this before. I got all of the information sent to H&R Block, and it took them 3 weeks to put the money on my card.
The customer service reps that I got never spoke fluent English. They either couldn't understand my question, or I couldn't understand their answer. When they would get frustrated with me, they would either hang up or talk to me like I'm an idiot. I asked to speak with a supervisor, and all they did was take my number and hang up on me to have a supervisor call me back, which of course never happened.
I've been an H&R Block customer for almost 10 years. Due to this horrible experience, not only do I NOT recommend the Emerald Card, but I will not be a customer of H&R Block anymore.