It pays to have Spruce.
Literally. You can snag your $50 bonus just for receiving qualified direct deposits.
Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers, and get paychecks up to two days early. Get a $50 bonus when you receive qualifying direct deposits.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.
No monthly fees, no sign-up fees, no minimum balance requirement.
Get your federal tax refund up to five days early.
Score a $50 bonus when you receive qualifying direct deposits.
Get your paycheck up to two days early with direct deposit.
Get automatic cash back rewards at select retailers.
Create personalized saving goals and round up your purchases.
Free credit score.
Breathe easy with courtesy overdraft protection up to $20.
Spruce has no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs all around the country.
Great news! Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early.
Enroll in direct deposit to get your paycheck earlier than you normally would.
Earn rewards automatically. When you use Spruce, you’ll get access to rewards when you shop select retailers you know and love.
Emergency fund? New car? Whatever you’re saving for, set personalized goals, start adding money, and track your progress.
It’s your credit — make sure you’re in charge. We’ll help you understand the factors that make up your credit score, show how you’re doing in each area, and give you tips that could help bring up your score.
Get up to $20 in overdraft coverage when you enroll in direct deposit and activate Courtesy Coverage.
Spruce automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.
Learn about how Spruce can help you keep your data and funds safe.
Get access to thousands of fee-free ATMs near you to withdraw money on the go.
Visit the resource center for money tips and financial knowledge.
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.
Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.