SAVING SURGE SWEEPS
ENTER TO WIN
$500
EVERY MONTH*
We’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.
*September - February
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Whether you’re able to save $10 per month or $50, that’s still money in the bank. Win or lose, your savings account will thank you.
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We’ll draw winners each month, so the more you get in a habit of saving, the more you could win.
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Set up easy, automatic transfers of $10 or more in the Spruce app so you never miss a month of entries. Manual transfers earn you an entry once, but auto-transfers keep you entered every month.
How it works
Opt-in to win
To enter the sweepstakes, use the link below to opt in through your Spruce mobile banking app or the website.
Move money to savings
You’ll earn one entry for every $10 you transfer to your Spruce Savings account and one entry for setting up auto-transfer. Maximum five entries per month.
Cross your fingers
Every month, one winner will receive $500 and three winners will receive $100, deposited directly to their savings account.
Keep the saving coming
Good news: You can enter every month, even if you’ve already won. So keep those transfers coming!
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.
Use all the perks of your Spruce Savings account
3.50% APY savings
You can earn 3.50% APY on a Spruce Savings account! Opt in online or through the app.
No min. balance required
Earn interest on your Savings account without any minimum balance requirements.
*The Annual Percentage Yield (APY) is accurate as of 09/29/2025. This rate is variable and can change without notice. Fees may reduce earnings. See Spruce Savings Rate Sheet for more info.
This calculator is for illustrative purposes only, assuming no rate changes over the period calculated, and that the account holder has not withdrawn funds during the period displayed above. All dollar amounts are rounded to the nearest dollar.
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.
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.
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