Earn 3.50% APY while you save
Spruce customers can now earn interest on their Savings Accounts with no minimum balance requirements! Opt in online or through the app after you sign up.
SPRUCE FEATURES
You could get your federal refund up to 5 days early and then we can help you set a plan to save some for future goals.
If you deposit your federal refund into your Spruce account, you could get it up to 5 days early.7
When you get your refund, we’ll recommend a portion of it to save. The amount you save earns high-yield interest when you opt in.
Opt in to earn 3.50% APY on your Savings Account. No minimum balance required.
Get automatic cash back rewards at 10,000+ participating retailers.
Automatically categorize your spending and then choose which areas to keep a closer eye on with the Watchlist.
Get paid up to 2 days early when you set up direct deposit. No fees required.
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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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