Spruce Mobile Banking Features Built for You

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SPRUCE FEATURES

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Fee transparency

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Early federal tax refund

If you deposit your federal refund into your Spruce account, you could get it up to 5 days early.

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Smart tax refund

When you get your refund, we’ll recommend a portion of it to save. The amount you save earns high-yield interest when you opt in.

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HIGH-YIELD SAVINGS RATE

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SAVINGS GOALS

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MOBILE CHECK DEPOSIT

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Spruce users, refer your friends!

Spruce Rewards currently not available.
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 insured by the FDIC on a pass-through basis, subject to applicable limitations, restrictions, and requirements for such FDIC pass-through insurance, when the funds are received in your account. FDIC insurance only protects when an FDIC-insured institution fails. Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward® N.A. is an FDIC-insured depository institution.
No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.
Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions using your Card is $0 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard. Please see the Spruce Spending Account Agreement for additional terms and restrictions that may apply.
Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.
Offer from Spruce. To qualify for the 2026 New Year’s Refer a Friend Referral Campaign reward, eligible Spruce customers must refer eligible friends who complete the following: 1) referred person opens new Spruce Accounts between Jan. 5, 2026 and Jan. 31, 2026 using a valid and unexpired referral link; and 2) within 45 days of account signup referred person receives $200 in qualifying direct deposits and activates their physical Spruce debit card. Qualifying direct deposits are only ACH credits from an employer or government benefits (but not tax refunds). Not available for residents of Washington state. The $10 reward amount will be deposited into your Spruce Spending Account within 7 business days after all requirements are completed. May be modified or discontinued at any time. Referrers acknowledge that by referring a friend through the 2026 New Year’s Refer a Friend Referral Campaign, they are releasing non-public information, and referred people acknowledge that signing up for Spruce Accounts using a referral link will result in sharing information with the referrer, including knowledge the referred person opened Spruce Accounts. Other limitations and terms apply. For full details, see the Spruce Referral Bonus and Incentive Terms available in the referral dashboard or on the landing page after clicking on a valid referral link.
This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).
The Annual Percentage Yield (APY) is accurate as of 01/26/2026. This rate is variable and can change without notice. Spruce Savings Accounts opened prior to July 17, 2025 may be required to opt in through the Spruce app or at sprucemoney.com to start earning interest.
Standard data charges may apply. Apple Pay is a registered trademark of Apple Inc. Google Pay is a registered trademark of Google LLC.
Refund Advance loan: This is an optional tax refund-related loan from Pathward®, N.A.; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1,250, $2,500, or $4,000. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be disbursed as directed to a prepaid card or checking account at Pathward. The loan amount will be deducted from your tax refund, and any remaining balance will be sent to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer at participating locations. Not available in H&R Block Online or Tax Software. H&R Block Maine License No. 2649367. OBTP#13696-BR.

Mobile banking features to make your money go further

No hidden fees. No sign-up fees. No monthly fees. No minimum balance required.

Fee-free ATMs

Free credit score

Take advantage of these tax season features

Early federal tax refund7Go to disclaimer for more details

Smart tax refund

Get these mobile banking features with your Spruce Spending and Savings accounts

HIGH-YIELD SAVINGS RATE

Earn interest

SAVINGS GOALS

Set saving goals

MOBILE CHECK DEPOSIT

Easily deposit checks

BUDGET TRACKING

Track your spending

EARLY PAYDAY

Get paid early

COURTESY COVERAGE

Cover overdrafts

SIGN UP FOR SPRUCE

Get started with Spruce today

Early federal tax refund