We have had the Emerald Card for the past 2 yrs now. At first we only had the card labeled HR Block Client and we never had an issue with using it at any location.
My husband lost his wallet and we had to request another card be issue which cost us money through H R Block Bank to replace but when it came it had his name on it.
The only downside to the card are the fees associated with it. They just increased them so when you take money out of the ATM, you are paying the ATM fee plus HR Block Bank fee. Cash back at a store with purchase is free. I use ours for everything from paying bills to ordering online.
We also have direct deposit of our paycheck onto to it as well.
Downfall if you want to file your taxes next year and have them direct deposit on it you will have to go back to HR Block. Something with the routing number is off so you can't do ebill directly from your account or anything like that.