Spruce high-yield savings rate is here

NEW! HIGH-YIELD SAVINGS RATE

You can earn 3.50% APY on a Spruce Savings Account! Opt in online or through the app after you sign up.

     

Spruce Interest Money Received

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.
 

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

  • No min. balance required

  • No monthly fees

  • No sign-up fees

3.50% APY Spruce High-yield interest

HIGH-YIELD SAVINGS RATE

Tap into interest and earn while you save

Spruce customers can now earn 3.50% APY on their Savings Account with no minimum balance requirements! Opt in online or through the app after you sign up.

CASH BACK REWARDS

Earn cash back rewards at select retailers.

Use your Spruce debit card to earn automatic cash back rewards at select retailers, including grocery stores, apparel shops, restaurants and more.

Earn cash back rewards with Spruce

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.

build a budget with the Spruce mobile banking app

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 earlier than you normally would.

Spruce early direct deposit

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.

  1. 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.
  2. 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.
  3. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.
  4. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  5. The Annual Percentage Yield (APY) is accurate as of 04/05/2024. 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.