It pays to have Spruce.
Literally. You can snag your $50 bonus just for receiving qualified direct deposits.
Spruce is a mobile banking platform built by H&R Block especially for people who want to be good with money. Receive your federal tax refund up to 5 days early, get paid up to 2 days early, and earn automatic cash back rewards at select retailers.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.
No hidden fees. No monthly fees. No sign-up fees. No minimum balance requirement. Access to thousands of fee-free ATMs.
You already have plans for that money. Choose to deposit your federal refund into your Spruce account and get it up to 5 days early.
You work hard for your paycheck but getting it early is easy. With Spruce direct deposit, we’ll set you up to get paid up to two days early.
Spruce lets you see where your money is going. It’s up to you which categories to add to your Watchlist to keep a closer eye on, and even assign spending levels that align with your wants and needs.
Get automatic cash back rewards to put back into savings when you shop from select retailers you know and love.
Take control of your savings. Put money away for an emergency or the things you really want with Spruce’s automated savings options.
Learn about the factors that make up your credit score and see how you’re doing in each area. We'll keep you up to date on your progress and share why it's crucial to your goals.
We'll cover you when you need that extra cushion. Enroll in direct deposit and get up to $20 free overdraft protection once activated.
Allocate a portion of your tax refund to help meet your saving goals.
Get access to thousands of fee-free ATMs near you to withdraw money on the go.
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.