Spruce has fees you can see.

With Spruce, you can rest easy knowing you won’t get any surprise fees.

Spruce fee
Monthly fee
Monthly fee

$0

Sign-up fee
Sign-up fee

$0

Minimum balance fee
Minimum balance fee

$0

Foreign transaction
Foreign transaction

$0

In-network ATM withdrawal
In-network ATM withdrawal

$0

Request check or one-time ACH
Request check or one-time ACH

$0

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)

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.