It pays to have Spruce.

Spruce℠ is mobile banking for people who want to be good with money. And a $50 bonus for qualified direct deposits is a great place to start.

Get your Spruce accounts

To get your $50 bonus:

  • Open your new Spruce accounts prior to June 30, 2023.

  • Have at least $200 in qualifying direct deposits to your Spruce Spending Account within 45 days of account opening.

Direct deposits that qualify are ACH credits, including direct deposits, but not tax refunds, mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers.

Get started

Ready to get started?

Set up direct deposit with your employer or right from the Spruce app and you’re on your way. Here’s how it’s done:

  • Open the Spruce app.

  • Head to the settings menu and select “direct deposit.”

  • Follow the prompts to enroll in direct deposit for your employer or provider.
Get started

Why Spruce?

  • No monthly fees, no sign-up fees, no minimum balance requirement.

  • Score a $50 bonus when you receive qualifying direct deposits.

  • Get your paycheck up to two days early with direct deposit.

  • Get automatic cash back rewards at select retailers.

  • Create personalized saving goals and round up your purchases.

  • Free credit score.

  • Breathe easy with courtesy overdraft protection up to $20.

  • Get your federal tax refund up to five days early.
Get started

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. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
  3. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.
  4. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  5. Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A.
  6. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
  7. Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.
  8. This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).
  1. Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. May be modified or discontinued at any time.