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Building credit

How to check your credit score without hurting it

Reviewing your credit is an important habit. Whether you’re planning on borrowing money for major purchases like a car or…

Building credit

How to start building credit — or rebuild it — with confidence

Building credit may seem like a huge hurdle if you’re trying to gain financial stability. It’s a tricky topic. That’s…

Spruce makes it easy to be good with money.

Spruce is mobile banking for people who want to be good with money. Set saving goals. Get automatic cash back. Get paid up to two days early.

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Spruce℠ is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by MetaBank®, N.A., Member FDIC.

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.
Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.
Other fees apply for certain uses of your Spruce debit card and Accounts. See www.SpruceMoney.com/fees/ for details.
There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.
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 MetaBank®, N.A. This product does not report to credit reporting agencies.
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.

Keep an eye on your credit.

What is a good credit score?

All building credit articles

Building credit

How to check your credit score without hurting it

Building credit

How to start building credit — or rebuild it — with confidence

Building credit

How to start building credit — or rebuild it — with confidence

Building credit

How to check your credit score without hurting it

Spruce makes it easy to be good with money.