Spruce up your finances.

Spruce is a mobile banking platform built by H&R Block especially for people who want to be good with money. Set saving goals. Get automatic cash back. Get paid up to two days early.

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

Saving goals

Save now. Sigh of relief later.

Take control of your savings. Put money away for an emergency or the things you really want with Spruce’s automated savings options.

Cash back offers

Automatic cash back. No missing out.

Get automatic rewards to put back into savings. Shop from retailers you know and love and earn cash back.

No hidden fees

Avoid surprise fees.

No hidden fees. No monthly fees. No sign-up fees. No minimum balance requirement. Access to thousands of fee-free ATMs.

Early payday

Get paid up to two days sooner.

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.

credit score

Free credit score

Know what’s up with your credit.

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.

Courtesy Coverage

Fee-free overdraft up to $20.

We’ll cover you when you need that extra cushion. Enroll in direct deposit and get up to $20 free overdraft protection.

Spruce Feature: Credit Monitoring

Tax refund recommendation

Jumpstart your savings.

Allocate a portion of your tax refund to help meet your saving goals.

Need cash? No problem.

Get access to thousands of fee-free ATMs near you to withdraw money on the go.

Get the Spruce mobile app.

With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.

The Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is 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.

  1. 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.
  2. 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. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.
  3. Other fees apply for certain uses of your Spruce debit card and Accounts. See www.SpruceMoney.com/fees/ for details.
  4. There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.
  5. 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 bank accounts, provided by Pathward, N.A. This product does not report to credit reporting agencies.
  6. 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.