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.^{8Go to disclaimer for more details}