Use a budget tracker tool
Track your income, set spending levels, and customize your budget with the Watchlist.
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Get your federal tax refund up to 5 days early
Get your federal refund directly deposited to your Spruce mobile banking account, and you could get early access to your money.
Bank products by Pathward®, N.A., Member FDIC
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A mobile banking app with features you'll love
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Get a high-yield savings rate
Opt in to earn 3.50% APY on your Spruce savings account.
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Get paid early
Enroll in direct deposit and you could get your paycheck up to 2 days early.
FAQs
Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more than your finances!
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.
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.