Early payday

Get paid up to two days earlier.

Pay day is a great day. But what if you could have your paycheck in your account up to two days sooner? You can, when you set up direct deposit.

Let’s get started.

Ready to get your first direct deposit? Follow these steps to get started:

  • Open the Spruce app.

  • Go to the settings menu and select “direct deposit.”

  • Follow the steps to enroll in direct deposit through your employer or provider.

Sign up for direct deposit. You could get paid sooner.

Does this sound like something you could get on board with? To be eligible for early paycheck deposits, here’s all you need to do:

Receive any qualifying direct deposit. It can be a paycheck or even government benefits.

Continue to receive direct deposits of at least $200 every 35 days.

That’s it! You’ll continue to receive your direct deposits early as long as you remain eligible.

Early paychecks give you the power.

With faster access to your funds, you have more control over your money and where it goes. Enjoy a night on the town, get ahead of upcoming bills, or just enjoy the feeling of security that comes with having access to your money earlier.

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.

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  1. 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.