Grow your refund with 3.50% APY
Move a portion of your refund into Savings and start working toward your financial goals. Plus, Savings earns 3.50% APY.
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BUILT BY H&R BLOCK
Spruce helps you do more with your money
Manage your everyday finances, build savings, and work toward your goals throughout the year.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
All dollar amounts shown are for illustrative purposes only.
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Get your federal tax refund early
Deposit your federal refund into your Spruce account and get it up to 5 days early.
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Keep more of what you earn
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No sign-up fees
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No monthly fees
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No account balance fees
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No in-network ATM withdrawal fees
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Make your refund part of a bigger plan
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Save your refund for what matters
If you get a refund, we’ll recommend a portion of it to save. The amount you move to your Extra Saving or saving goal will earn high-yield interest.
*Average refund taxpayers received based upon IRS data date ending 05/01/2026.
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Built to support your financial life
Your refund is just one part of your financial life. Spruce can help you manage the rest.
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Spending account
Pay for everyday purchases, stay on top of recurring bills and subscriptions, and track your spending.
All dollar amounts shown are for illustrative purposes only.
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Savings account
Earn 3.50% APY, create saving goals, and automate transfers to help your savings grow over time.
All dollar amounts shown are for illustrative purposes only.
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Early payday
With direct deposit, you could get your paycheck up to 2 days early, helping you stay ahead of upcoming expenses.
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Enter to win $1,000 every month
through February 2027We’re giving away real money and helping you save along the way.
Transfer as little as $10 into your Spruce Savings account for a chance to win.-
SIGN UP FOR SPRUCE
Take the next step with Spruce
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.
*Average refund taxpayers received based upon IRS data date ending 05/01/2026.
FAQs
No. You can use Spruce to receive and organize your refund and other deposits, manage everyday spending, build savings, and work toward financial goals throughout the year.
Yes! Spruce is designed to help customers manage spending, build savings, and prepare for future priorities throughout the year.
When you sign up for Spruce, you open a Spending account as well as a Savings account established at Pathward®, N.A,, Member FDIC.
Spruce is a financial technology platform built by H&R Block, which is not a bank. Bank accounts accessed through Spruce are provided by Pathward®, N.A., Member FDIC.
Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more than your finances!
Spruce is not a bank, it’s a modern mobile banking app built by H&R Block — a company with a long history of helping people with their finances. Spruce offers the ability to help you track spending, create Saving goals, check your credit score and much more! To learn more, please see sprucemoney.com/features/.
Bank products accessed through Spruce are provided by Pathward®, N.A., Member FDIC.No. Your credit report is not accessed when you sign up for Spruce or open your bank accounts.
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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.
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.
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