Pair Spruce with Emerald Advance℠ Loan
Planning to apply for Emerald Advance℠ Loan? Sign up for Spruce now and get convenient access to loan funds if approved. Use the mobile app for spending or get cash from over 55,000 fee-free ATMs.
Emerald Advance Loan access
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
Save big on tax prep with H&R Block
when you deposit $200 or more in your Spruce account by Dec. 31.
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.
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 earlier 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.
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.
- 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.
- To receive the coupon from H&R Block, you must deposit at least $200 in your Spruce account from November 15, 2023 through December 31, 2023. Coupons will be emailed to the Spruce email of record by January 15, 2024. Offer limited to one per customer, cannot be combined with any other offer, and may be modified or discontinued at any time. Coupon valid at participating Block Advisors and H&R Block U.S. offices or for a paid version of H&R Block Online for an original 2023 federal personal income tax return. Discount may not be combined with any other offer or promotion. Void if transferred and where prohibited. Retail coupon must be presented prior to completion of initial tax office interview, and H&R Block Online coupon code must be entered prior to payment. No cash value. Expires 4/30/2024. OBTP#13696-BR ©2024 HRB Tax Group, Inc.