Emerald Advance® Loan

Enjoy easy budget tracking with Spruce

Spruce app budget tracking screen and debit card
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No monthly fees

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Early payday

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Automatic cash back rewards

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High-yield savings rate

  • No min. balance required

  • No monthly fees

  • No sign-up fees

Your financial toolkit

Spruce is an all-in-one mobile banking app built by H&R Block to help you 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.
 

ATM FINDER

HERE’S WHAT SPRUCE USERS HAVE TO SAY:

Spruce mobile banking app and features