Spruce is the mobile banking app for you.

With the Spruce mobile banking app on your phone, you have control of your finances on-the-go, and the tools you need to be good with money.

Spruce mobile banking app QR Code

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.

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from the Google Play Store and
the Apple App Store.

You’re in good company.

Join the hundreds of thousands who have downloaded the Spruce app and see what being good with money is all about.

Spruce mobile app QR Code

Deposit checks anywhere, anytime.

Got a check to deposit into your Spruce account? With the app, it’s as easy as snapping a pic.

check being deposited online with Spruce mobile banking app
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MOBILE BANKING APP

Simply use the app to set up direct deposit for your employer or payroll provider.

And don’t forget, Spruce gets you your paychecks up to 2 days early with qualifying direct deposits. Now that’s what we call being good with money.

We like our app the way we like our money. Safe.

Like you, the Spruce mobile banking app has security top of mind. Spruce uses multi-factor authentication at log-in and employs monitoring for potential fraudulent transactions. With the Spruce app you can even freeze your debit card in just a few taps — just in case.

Get the Spruce mobile app.

With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.

Spruce mobile banking app and features

FAQs

Mobile banking is a service that allows customers to access their bank accounts and process banking transactions using a mobile device, such as a smartphone or tablet. Users can view account balances, transfer money, pay bills, deposit checks, and locate ATMs.


The Spruce mobile banking app is a full-service financial platform that can manage your finances securely. In addition to the basic offerings of mobile banking, Spruce also has budget tracking tools and credit score insights to help you reach your financial goals.

Spruce is a mobile banking platform built by H&R Block that helps you manage your money through spending and savings accounts enhanced with budgeting tools, automatic savings transfers, and financial insights. While Spruce is not a bank, it does include access to bank accounts and services through our partner Pathward®, N.A., Member FDIC.

To sign up with Spruce, download the Spruce app and signup or go to https://account.sprucemoney.com/signup/.


You’ll need to provide some verification info and create a unique password to get your electronic account. If approved, you will have access to your spending and savings accounts and virtual debit card immediately. You’ll receive your physical debit card in 7-10 business days.

Mobile check deposit, available after you have deposited at least $200 in the past year and your accounts have been open for 30 days, is a convenient and secure way to deposit paper checks without having to go to a bank branch or check-cashing center.


Depositing a check is simple to do from within the Spruce app:

  1. Select Move Money and then Deposit a check.
  2. Enter the amount on your check for deposit.
  3. Take a pic of the front and back of the check. We even give you tips and automatically take the picture for you.
  4. Select Deposit check.


You’re all set! We’ll message you in-app if your check has been accepted or rejected. We may also need additional time to review your check, but we’ll send you an email about the status of your check deposit in either case. Funds available 3-11 business days post deposit.

Mobile banking is generally considered to be safe but be sure the platform you choose offers solid security features to protect users. Spruce is a mobile banking app built by H&R Block and powered by Pathward®, a federally chartered bank and Member FDIC.


Spruce also has multiple layers of security to keep your data and money safe, including card lock, multi-factor authentication, fraud monitoring, and Mastercard Zero Liability.

Want to learn more?

Visit the resource center for money tips and financial knowledge.

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.

  1. Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.
  2. Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions using your Card is $0 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard. Please see Spruce Spending Account Agreement the for additional terms and restrictions that may apply.
  3. Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.
  4. This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).