*To receive this offer from H&R Block, you must 1) have established your new Spruce Spending and Savings Accounts prior to Dec. 31, 2022 (subject to approval); and 2) have received at least $200 in qualifying direct deposits to your Spruce Spending Account within 45 days of account opening. Qualifying direct deposits for this offer are those made by ACH credit to your Spending Account, including recurring direct deposits from your employer or benefits provider, excluding tax refunds. Other types of deposits to your account, including mobile check deposits, transfers from your Spruce Savings Account or other internal transfers, transfers from your external bank linked within Spruce, and cash transfers from third-party funds transfer providers do not count as qualifying direct deposits. Your bonus will be deposited to your Spruce Spending Account within 14 business days after you have completed all of the above requirements. To receive the bonus, your Spruce Accounts may not be closed or restricted at the time of payout. The bonus may be considered taxable income, and you are responsible for the tax treatment of the funds. Offer limited to one per customer, and may be modified or discontinued at any time.