NOW WITH INTEREST ON SAVINGS

Make your money go further with Spruce

A mobile banking platform built by H&R Block, Spruce has budgeting tools and 3.50% APY for Savings accounts to help you manage and grow your finances in one place. Opt in to interest online or through the app after sign up.

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.

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 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.

BUDGET TRACKER TOOL

Take control of your spending.

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.

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.

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.

Bar chart shows calculated scores of five factors; Payment history 35%, Amount owed 30%, Credit history 15%, New credit 10% and Credit mix 10%

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 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.

Phone showing personalized savings feature in Spruce mobile app

SMART TAX REFUND

A personalized savings tool for your refund

The Spruce mobile banking platform can help you make the most of your tax refund by recommending a portion to save when you get it. Set up your plan and get ahead of your savings goals.

ATM FINDER

Need cash? No problem.

Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.

Get Spruce

With Spruce, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.



Spruce mobile banking app and features

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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