SAVING SURGE SWEEPS

$500

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NO PURCHASE NECESSARY. Open to legal residents of the United States of America, age 18 or older. Void where prohibited. Sweepstakes begins September 1, 2025 and ends February 28, 2026. Odds of winning depend on number of eligible entries received. For Official Rules, including free method of entry, prize details, and eligibility requirements, visit https://www.sprucemoney.com/legal/saving-surge-sweepstakes-rules/. Sponsored by Emerald Financial Services, LLC. Pathward®, N.A., Member FDIC is the issuer of the Spruce Accounts only and is not a sponsor of the Spruce Saving Surge Sweepstakes.

3.50% APY12 savings

illustration of coins
3.50% APY12 savings

You can earn 3.50% APY12 on a Spruce Savings account! Opt in online or through the app.

Learn about savings APY

No min. balance required

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No min. balance required

Earn interest on your Savings account without any minimum balance requirements.

See how much your savings could grow

To start, I could contribute:
$
Cannot be less than $0 or greater than $999,999
Monthly, I could continue to contribute:
$
Cannot be less than $0 or greater than $999,999

Over the course of:

1 month
50 years

In 5 years, with 3.50% APY12


Your total contributions and interest: $7,140

$3,678
$7,140

FAQs

To enter the sweepstakes, use the opt in link through your Spruce mobile banking app, the website, Message Center, or email.


Once you’ve opted in, it’s time to start saving. For every $10 transferred into your Spruce Savings account, you’ll earn one raffle entry into that month’s sweepstakes. You can earn up to five entries per month.


You earn entries through any combination of transfers in $10 increments. For example, transferring $10 five times or one single transfer of $50 will earn you five entries. Transferring $45 earns you four entries.


Setting up automatic transfer also earns you a one-time entry, which counts toward your five-entry limit for the month. So, if you transfer $40 the first month and enable auto-transfer, you will reach your five-entry maximum for the month.

Each month, four winners will be selected. The first prize is $500, and three additional winners will each receive $100.

You can only win one prize per month, but if you win a prize, you are still eligible to win again in future months.

Winners are picked randomly through a third-party partner at the end of each month.

If you’re selected as a winner, you’ll be notified by Spruce. Then we’ll deposit your winnings directly to your Spruce Savings account. It’s that simple! Just keep an eye on your email or app notifications so you don’t miss the good news.

The sweepstakes will run for six months, with winners chosen each month. The sweepstakes will run from September through February.

No worries! It’s quick and easy to open Spruce accounts through the app. Once your accounts are set up, you can opt into the Savings Surge Sweepstakes and start entering to win. There’s no cost to open an account, and you’ll also get access to helpful tools for budgeting, tracking spending, and building better money habits. See above for opt in details.

Spruce is a mobile banking platform by H&R Block that helps you take control of your money. It’s not a bank itself, but it gives you access to spending and savings accounts through a bank partner. You’ll also get tools to help you budget, save automatically, and track your financial goals. Whether you’re just starting out or looking to build better habits, Spruce makes managing your money simple and stress-free.

It’s easy to download the Spruce app! Head to the App Store if you’re using an Apple device, or the Google Play Store if you’re on Android. Search for “Spruce,” tap to download, and you’re all set. Once the app is installed and your Spruce accounts are open, opt into the sweepstakes, and start saving money from your phone.

  1. The Annual Percentage Yield (APY) is accurate as of 09/04/2025. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.