It’s your money.
And Spruce wants you to keep it. That’s why we have no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs all around the country.
It’s time for no monthly fees.
Easy budget tracking with Spruce.
The Spruce mobile banking app automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.
So, what exactly is Spruce?
Built by H&R Block for people who want to be good with money, Spruce is an all-in-one mobile banking app chock full of all the tools, tips, and tricks you need to take control of your finances.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
Spruce has lots to offer, but none of these things:
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No min. balance required
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No monthly fees
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No sign-up fees
Cash back rewards
Earn cash back rewards at select retailers.
Use your Spruce debit card to earn automatic cash back rewards1 at select retailers, including grocery stores, apparel shops, restaurants and more.
Budget tracker tool
Build a budget. The easy way.
Need to keep a closer eye on where your money is going? Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.
Early payday
Get your paycheck up to 2 days early with direct deposit.
Great news! Enroll in direct deposit and you could get your paycheck up to 2 days earlier2 than you normally would.
ATM Finder
Need cash? No problem.
Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.4
Here’s what Spruce users have to say:
“I love my new Spruce bank account and thank you all for everything. I’m telling everyone about Spruce and H&R Block when I get the chance.”
– Scotty
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC
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.
- Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
- 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.
- Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.
- No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.