Mobile Banking for People Who Want to Be Good with Money

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Emerald Advance® Loan

Spruce app budget tracking screen and debit card

No monthly fees

Early payday

Automatic cash back rewards

High-yield savings rate

Explore all features

No min. balance required
No monthly fees
No sign-up fees

Fee transparency

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.

Why Spruce

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

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HERE’S WHAT SPRUCE USERS HAVE TO SAY:

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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.
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.
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 Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
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.
Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions using your Card is $0 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard. Please see Spruce Spending Account Agreement the for additional terms and restrictions that may apply.
Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.
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.
This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).
The Annual Percentage Yield (APY) is accurate as of 11/15/2024. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.
Standard data charges may apply. Apple Pay is a registered trademark of Apple Inc. Google Pay is a registered trademark of Google LLC.
This is an optional tax refund-related loan from Pathward®, N.A.; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be disbursed as directed to a prepaid card or checking account at Pathward. The loan amount will be deducted from your tax refund, reducing the refund amount paid directly to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer at participating locations.
HRB Maine License No. FRA2. OBTP#13696-BR. ©2023 HRB Tax Group, Inc.

Enjoy easy budget tracking with Spruce

A mobile banking app with features you’ll love

No monthly fees

Early payday2Go to disclaimer for more details

Automatic cash back rewards1Go to disclaimer for more details

High-yield savings rate12Go to disclaimer for more details

Spruce has lots to offer, but none of these things:

No min. balance required

No monthly fees

No sign-up fees

Your financial toolkit

ATM FINDER

Need cash? No problem.

Spruce takes security seriously.

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.”

Get Spruce

Early payday

Automatic cash back rewards

High-yield savings rate