SPRUCE FEATURES
You could get your federal refund up to 6 days early and then we can help you set a plan to save some for future goals.
If you deposit your federal refund into your Spruce account, you could get it up to 6 days early.7
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.
Opt in to earn 3.50% APY on your Savings Account. No minimum balance required.
Get automatic cash back rewards at 10,000+ participating retailers.
Automatically categorize your spending and then choose which areas to keep a closer eye on with the Watchlist.
Get paid up to 2 days early when you set up direct deposit. No fees required.
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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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