• BUILT BY H&R BLOCK

    Spend, save, and plan. All in one place.

    From high-yield savings to paychecks up to 2 days early, the Spruce mobile banking app features work together to set you up for a better financial future.

    Enter your email to get started with Spruce. See our Privacy Notice for how we collect and use your info.

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

  • Built by H&R Block

    After 70+ years helping people with taxes, H&R Block created Spruce to help you feel more in control of your hard-earned money — one transfer at a time.

  • We don’t nickel and dime you because we know nickels and dimes add up.

    • No sign-up fees

    • No monthly fees

    • No account balance fees

    • No in-network ATM withdrawal fees
    Fee transparency

    Enter to win $1,000 every month*

    We’re giving away real money and helping you save along the way. Transfer as little as $10 into your Spruce Savings account for a chance to win.

    Learn more

    *March 2026 – February 2027

  • EARLY PAYDAY

    Get paid early

    You could get your paycheck up to 2 days early with direct deposit, so your money arrives when you actually need it.

  • Can your banking app do this?

    Take advantage of these tax features and make the most of your federal refund with Spruce.

  • Early federal tax refund

    If you deposit your federal refund into your Spruce account, you can get it up to 5 days early.

    Learn more

    *Average refund taxpayers received based upon IRS data date ending 02/21/25.

  • Smart tax refund

    If you get a refund, we’ll recommend a portion of it to save. The amount you move to your Savings account or saving goal also earns high-yield interest.

    Learn more

    *Average refund taxpayers received based upon IRS data date ending 02/21/25.

  • Set your spending and savings accounts up for success

    As a Spruce customer, you get access to a Spending and Savings account — no monthly fees, sign up fees, or minimum balance requirements.

  • Spending account

    • Use your Spruce debit card to shop online or in-person.
    • Pay recurring bills and subscriptions with your Spruce account.
    • Track your spending using the Watchlist feature.
    Learn more

    All dollar amounts shown are for illustrative purposes only.

  • Savings account

    • Earn 3.50% APY on your Savings — no minimum balance required.
    • Easily transfer money from Spending to Savings and create custom saving goals.
    • Set up automatic transfers to your Extra Saving or saving goals.
    Learn more

    All dollar amounts shown are for illustrative purposes only.

See how much your savings could grow

To start, I could contribute:
$
Cannot be less than $0 or greater than $999,999
Monthly, I could continue to contribute:
$
Cannot be less than $0 or greater than $999,999

Over the course of:

1 month
50 years

In 5 years, with 3.50% APY12

Your total contributions and interest: $7,140

$3,678
$7,140

  • This calculator is for illustrative purposes only, assuming no rate changes over the period calculated, and that the account holder has not withdrawn funds during the period displayed above. All dollar amounts are rounded to the nearest dollar.

  • More reasons people are joining Spruce

  • Round up

    Opt in to automatically round up Spruce debit card purchases to the next dollar, and we’ll deposit the change into your Extra Saving.

  • Mobile Check Deposit

    It’s easy to digitally deposit checks using the Spruce mobile banking app.

  • Fee-free ATMs

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

  • Free FICO credit score

    Get a free credit score and learn about the factors that could be impacting your FICO score.

  • Courtesy coverage

    Qualifying Spruce members can opt in for $20 of fee-free overdraft protection.

  • SIGN UP FOR SPRUCE

    Get started with Spruce today

    Enter your email to get started with Spruce. See our Privacy Notice for how we collect and use your info.

    All dollar amounts shown are for illustrative purposes only.

  • 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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