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.
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 MetaBank®, N.A., Member FDIC.
Take control of your savings. Put money away for an emergency or the things you really want with Spruce’s automated savings options.
Get automatic rewards to put back into savings. Shop from retailers you know and love and earn cash back.
No hidden fees. No monthly fees. No sign-up fees. No minimum balance requirement. Access to thousands of fee-free ATMs.
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.
Learn what makes up your score. 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.
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℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. 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.