• FEE TRANSPARENCY

    Online banking app with no hidden fees

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

    See the fees Sign up for Spruce

  • 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 fees upfront

    Here’s the list of fees for Spruce. Short and simple.
Spruce fee
Out-of-network ATM withdrawal
Out-of-network ATM withdrawal

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

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)

Checkbook
Checkbook

$15 per package of 25 checks

Expedited shipping physical card delivery
Expedited shipping physical card delivery

$15

  • Spruce features work together to help grow your money

    Maximize your Savings with other features like Round up and auto transfers from your Spending account.

    All dollar amounts shown are for illustrative purposes only.

Spruce fee FAQs

Spruce is designed to be straightforward and transparent about fees. There are no monthly account fees, and many everyday actions like managing your money in the app, and getting your paycheck via direct deposit come at no cost.


That said, some optional services or situations may involve fees, such as using certain ATMs outside the free network.


Any applicable fees are clearly disclosed upfront, so you’re never surprised. For full details, you can review the complete fee schedule on this page to see exactly when a fee may apply and how to avoid it.

See the fees

There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any ATM operator fee.

There is no fee to use your Spruce debit card for everyday purchases. Whether you’re shopping in-store, online or paying bills, Spruce doesn’t charge transaction or swipe fees when you use your card.

See the fees

  • 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.

    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.