Enjoy easy budget tracking with Spruce

With savings and budgeting features designed to help you manage your finances, the Spruce mobile banking app is your partner in financial well-being.

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Spruce app budget tracking screen and debit card

A mobile banking app with features you’ll love

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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

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

  • 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

Need cash? No problem.

Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.

Spruce takes security seriously.

Deposits are FDIC insured up to $250,000 through our bank partner Pathward®, N.A., Member FDIC, so you know your funds are safe.

24/7 dedicated fraud and lost card support and transaction fraud monitoring.

Built by H&R Block which has over 65 years of experience helping people with their finances.

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 Spruce

With Spruce, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.



Spruce mobile banking app and features

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.

High-yield savings rate is here