Common questions about Spruce.

When you access bank accounts through Spruce, you get a spending account as well as a savings account established at Pathward, N.A., Member FDIC.

You can chat with us in the app or call us at (855) 977-7823.

While Spruce accounts are not interest-bearing, our cash back rewards go the extra mile. Earn cash back just by shopping stores you know and love. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. To learn more, please see sprucemoney.com/features/.

Spruce is not a bank, it’s a modern mobile banking app built by H&R Block — a company with a long history of helping people with their finances. Spruce offers the ability to help you track spending, create Savings goals, earn Cash Rewards, check your credit score and much more! To learn more, please see sprucemoney.com/features/.

Banking products accessed through Spruce are provided by Pathward, N.A., Member FDIC.

Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessed through Spruce are provided by Pathward, N.A., Member FDIC.

Doing your taxes with H&R Block is not a requirement to open a Spruce account (but you are always welcome to do your taxes with H&R Block!) Spruce is for anyone who wants to be good with money! We were built by H&R Block, but being an H&R Block client is not a requirement.

All you need to do now is get the Spruce app or go to SpruceMoney.com to sign up. You’ll need to provide some verification info, create a unique password, and voilà! Your Spruce electronic account will be ready to go. You’ll need to use the email address and phone number you provided while filing your taxes to create your online account if you started your electronic Spruce account in the H&R Block DIY tax experience.

Spruce Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC.

No, opening Spruce bank accounts does not impact your credit or your credit score.

Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC.

Science says you should give your saving goal(s) a name and specific value in order to be more successful.

The Spruce℠ Savings Account is established by Pathward, N.A., Member FDIC.

Round Up is an easy, automatic way to increase your savings — with no extra effort required. If you have turned Round Up on in your Spruce account, each time a Spruce debit card transaction for a purchase or ATM withdrawal settles, we’ll round the transaction up to the nearest whole dollar amount and transfer the difference into your Extra Saving account. Just think of it as saving in autopilot — super easy saving in small amounts that add up over time!

Tip: You’ll know a transaction is settled when you see it in your transaction history and it’s no longer listed as “Pending.”

For example, when your grocery purchase with your Spruce card for $19.49 settles, we will transfer $.51 to your Extra Savings account.

Also, if you make an out-of-network ATM withdrawal, you may get a Round Up. For instance, if you make a $20 withdrawal and the ATM owner charges you $2.50, when the transaction settles, you’ll see a $.50 Round Up transfer to your Extra Savings.

Spruce Cash Back Rewards you for using your Spruce card for everyday purchases at select retailers — often at places you already visit.

Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account.

Good question! By getting a cash back reward, merchants don’t receive any additional information about you from your Spruce card, only that you used your card to pay for your purchase. All of Spruce Cash Back Rewards are aggregated to the merchant for payment, so the merchant doesn’t receive individual information. See Spruce Rewards powered by Dosh Terms for details.

Nope! Earning cash back has never been easier, it happens automatically when you use your Spruce card at participating retailers. There’s no need to remember to select an offer before you spend.

Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.

Yes, fees apply for certain uses of your account. We believe in no hidden fees, so for the full list of fees, please see SpruceMoney.com/fees.

First, you need to set up direct deposit to your Spending Account. To be eligible, you must receive $200 in direct in ACH deposited from an employment or benefit payer a month over the last 35 days, not including tax refunds. Once you are successfully setup, the get “paid early” feature will start to kick in. This means that your paycheck will be deposited into your account up to two days sooner than regularly scheduled.

Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date.

We know these moments happen and we got you covered! Courtesy Coverage allows you to make debit card purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce Debit card that overdraw your Spending Account up to $20 with no overdraft fee, giving you support when money’s tight. It is not an extension of credit; it is an optional courtesy exercised at our discretion that should be used on those rare occasions as you have bumps in the road.

To get access to Courtesy Coverage, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. These deposits can come from an employer or payroll provider, or government benefits payer, and must be deposited into your Spending Account as an automated clearing house (ACH) transfer. Tax refunds do not count. You must also have a positive Spending Account balance and turn on the functionality in the app or online. To keep using Courtesy Coverage after that, you need to continue to receive cumulative direct deposits of at least $200 every month and pay it back within 30 days. To learn more, please see sprucemoney.com/features/.

Courtesy Coverage covers debit card purchases and cash withdrawals only. ACH transfers, check transactions and other transactions are not covered.