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. 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

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 tax refund

Get your federal tax refund up to 5 days early.

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.

faster tax refund with spruce

Early payday

Get paid up to two 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.

Cash back offers

Automatic cash back. No missing out.

Get automatic cash back rewards to put back into savings when you shop from select retailers you know and love.

Earn cash back offers

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.

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.

Bar chart shows calculated scores of five factors; Payment history 53%, Amount owed 30%, Credit history 15%, New credit 10% and Credit mix 10%.
Turn on courtesy coverage

Courtesy coverage

Fee-free overdraft protection 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 once activated.

Tax refund recommendation

Jumpstart your savings.

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

Estimated tax refund

Need cash? No problem.

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

Spruce location finder

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.

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.

  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 depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
  3. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  4. 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.
  5. 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.

  6. 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.