FEE TRANSPARENCY

Be clear about fees without surprises

Spruce doesn’t have any hidden fees, so rest easy knowing what you see is what you get. 

Break free from these fees

  • No account balance fees

  • No monthly fees

  • No sign-up fees

  • No foreign transaction fees

  • No in-network ATM withdrawal fees

  • No fee to request a check or one-time ACH

See Spruce’s fees upfront

Here’s the list of fees for Spruce. Short and simple. 

Spruce fee
Checkbook
Checkbook

$15 per package of 25 checks

Out-of-network ATM withdrawal
Out-of-network ATM withdrawal

$3 per withdrawal (plus ATM owner fees or other fees not charged by us)

Expedited shipping physical card delivery
Expedited shipping physical card delivery

$15

Over-the-counter withdrawal
Over-the-counter withdrawal

$4.95 per withdrawal

Third-Party Money Transmitter (Retailer fee to add cash)
Third-Party Money Transmitter (Retailer fee to add cash)

Up to $4.95 (not our fee)

Start your journey with Spruce

Join the hundreds of thousands of Americans who opened a Spruce account and are taking control of their financial future today.

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.