Get better with money.

Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers, and get paychecks up to two days early. Get a $50 bonus when you receive qualifying direct deposits.

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.

Why Spruce?

  • No monthly fees, no sign-up fees, no minimum balance requirement.

  • Get your federal tax refund up to five days early.

  • Score a $50 bonus when you receive qualifying direct deposits.

  • Get your paycheck up to two days early with direct deposit.

  • Get automatic cash back rewards at select retailers.

  • Create personalized saving goals and round up your purchases.

  • Free credit score.

  • Breathe easy with courtesy overdraft protection up to $20.

No monthly fees

You work hard for your money. Keep it.

Spruce has no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs all around the country.

Early tax refund

Get your federal tax refund up to 5 days early.

Great news! Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early.

Check out everything Spruce has to offer.

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Early payday

Enroll in direct deposit to get your paycheck earlier than you normally would.

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Cash back offers

Earn rewards automatically. When you use Spruce, you’ll get access to rewards when you shop select retailers you know and love.

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Saving goals

Emergency fund? New car? Whatever you’re saving for, set personalized goals, start adding money, and track your progress.

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Free Credit Score

It’s your credit — make sure you’re in charge. We’ll help you understand the factors that make up your credit score, show how you’re doing in each area, and give you tips that could help bring up your score.

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Courtesy Coverage

Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.

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Security and control

Whether you’re looking to quickly freeze your debit card, get alerts regarding transactions, or access 24/7 card support, Spruce security features are here for you.

Need cash? No problem.

Get access to thousands of fee-free ATMs near you to withdraw money on the go.

Spruce location finder

Want to learn more?

Visit the resource center for money tips and financial knowledge.

Get the Spruce mobile app.

With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.

  1. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
  3. Other fees apply for certain uses of your Spruce debit card and Accounts. See www.SpruceMoney.com/fees/ for details.
  4. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  5. Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A.
  6. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.

  7. Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.
  8. Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. May be modified or discontinued at any time.