Get better with money.

Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back offers, and get paychecks up to two days early. Get a $20 bonus when you receive qualifying direct deposits.

Spruce℠ is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by Pathward, N.A., Member FDIC.

Why Spruce?

  • Create personalized saving goals.

  • Get automatic cash back rewards.

  • No monthly fees, no-sign-up fees.

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

  • Free credit score.

  • Breathe easy with courtesy overdraft protection.

  • No credit check required to apply.

  • Security features that can help you keep your money and data safe.

Saving goals

Make savings a snap.

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

Cash back offers

Cash — back at you.

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

Check out everything Spruce has to offer.

No hidden fees

No hidden fees. No monthly fees. No sign-up fees. No minimum balance requirement. Access to thousands of fee-free ATMs.


Early payday

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


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.

Courtesy Coverage

Get up to $20 in overdraft coverage when you enroll in direct deposit.



Tax refund recommendation

Allocate a portion of your tax refund to help meet your saving goals.



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.

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℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. 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 to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.
  3. Other fees apply for certain uses of your Spruce debit card and Accounts. See for details.
  4. There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.
  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. This product does not report to credit reporting agencies.
  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.