Early tax refund access

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. 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.

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 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 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.

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 powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your 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.
  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 Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.
  5. Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. 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.