Explore Spruce Help Center topics.
Whether you need tips to navigate your Spruce accounts or have a question about how to make the most of a specific feature, we’re here to help out.
Most popular help questions
Send & receive money
How do I add cash to my Spruce account?
To add cash to your Spruce Spending account, you can visit a participating retail location. You can find these locations…
Account information
How can I close my Spruce accounts?
Say it ain’t so! Please let us know how we can make your experience better and keep you around longer…
Send & receive money
Can I use my Spruce spending account to pay for purchases through Venmo, Cash App, Pay Pal and Apple Pay?
Absolutely! Spruce works with Venmo, Cash App, PayPal, Apple Pay, and Google Pay. Apple Pay is a registered trademark of…
Spruce overview
How do I reach Customer Service?
You can chat with us in the app or call us at (855) 977-7823.
Account information
What is my routing and account number for my Spending Account?
You can find your routing and account numbers in your Spruce online and app account. You can log in at…
Send & receive money
Is direct deposit the only way to add funds to my spending account?
There are many ways to add funds to your Spruce spending account. In addition to Direct Deposit, you can connect…
Card management
How do I activate my card?
Did you know that your digital card is already active? You can see your digital card info by logging into…
Card management
I lost my card. How can I get a replacement card?
Replacement card? No problem. We’ll get that replacement out to you in no time. Just go to Account Management under…
Account information
I can't log on. How can I get help?
Oh no! Let’s see how we can help. Typing in the wrong login info seems to be a common issue.…
Card management
How do I report fraud on my card?
Oh no! Let’s flag what’s going on — you can report a lost or damaged card under Card management in…
Account information
How do I update or change my phone number?
You can update your phone number in the account profile section of the app or on SpruceMoney.com. You’ll need to…
Send & receive money
Where are the ATM locations?
You can find these locations by navigating to the ATM locator feature in the Spruce app or by visiting sprucemoney.com/atm-locator/.
Account information
I prepared my taxes online with HRB and was approved for Spruce accounts, how do I access them online?
Smart move! All you need to do now is get the Spruce app or go to sprucemoney.com to create your…
Courtesy coverage
How much can I overdraw my account?
Courtesy Coverage allows you to make certain transactions that overdraw your spending account up to $20 with no overdraft fee.…
Account information
What's my account balance?
You can see your account balances by logging into SpruceMoney.com or by getting the Spruce app. From there, you can…
Account information
Does opening a Spruce bank account impact my credit?
No, opening Spruce bank accounts does not impact your credit or your credit score.
Account information
How do I update or change my address?
To change your address, please contact customer support via chat or by calling (855) 977-7823.
Spruce overview
Is Spruce a real bank?
Spruce is not a bank — it is a financial technology platform. Banking products you access through Spruce are provided…
Card management
How do I reset my PIN?
To reset your PIN, please log into your account, go to Account Management, and choose Card management, or you can…
Send & receive money
How do I get paid early?
First, you need to set up direct deposit to your Spending Account. To be eligible, you must receive $200 in…
Account information
What's my savings balance?
You can view your account balance by logging into SpruceMoney.com or by getting the Spruce app. From there, you can…
Spruce overview
Does H&R Block own Spruce?
Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessed through Spruce…
Spruce overview
Does Spruce charge any fees?
Yes, fees apply for certain uses of your account. We believe in no hidden fees, so for the full list…
Spruce overview
Do I have to be an H&R Block client to use Spruce?
Doing your taxes with H&R Block is not a requirement to open a Spruce account, but you are always welcome…
Saving goals
Can I move money from my saving goal to my spending account? How many times a month?
Absolutely! The money saved for your goals is your money. You can move it between your savings and spending accounts…
Account information
What do I need to open my Spruce accounts?
All you need to do now is get the Spruce app or go to sprucemoney.com to sign up. Just provide…
Spruce overview
When can I start using my Spruce account?
Right away! As soon as your accounts have been created, you can load funding and access your digital Spruce debit…
Cash back rewards
What information does the merchant receive about my card or other personal information?
Good question! By getting a Cash Back Reward, merchants don’t receive any additional information about you from your Spruce card,…
Courtesy coverage
What is Courtesy Coverage?
We know these moments happen and we got you covered! Courtesy Coverage allows you to make debit card purchase transactions,…
Spruce overview
What type of account is my Spruce account?
When you access bank accounts through Spruce, you get a Spending Account as well as a Savings Account established at…
Courtesy coverage
Who is eligible for Courtesy Coverage?
To be eligible for Courtesy Coverage, you need to meet these requirements: In the last 35 days, you need to…
Cash back rewards
How do I get Cash Back Rewards?
You earn Cash Back Rewards when you pay with your Spruce card at participating merchants. Spruce Rewards are powered by…
Spruce overview
What is Spruce and why do I need it?
Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessible through Spruce…
Spruce overview
Do you pay interest on the Spruce Bank Accounts?
While Spruce accounts are not interest-bearing, our cash back rewards go the extra mile. Earn cash back by just by…
Saving goals
What happens to my saving goal once I hit my goal?
Goooal! You did it! What happens next is up to you. You can move the money to your spending account…
Cash back rewards
How can I see Cash Back Reward offers near me, or at merchants I may like?
Check out all the available Cash Back Reward offers near you in your Spruce app. Log in to Spruce, select…
Saving goals
How many saving goals can I have at a time?
Saving goals are subaccounts in your Spruce saving account that you can dedicate to particular goals. There are three total…
Cash back rewards
What are Spruce Cash Back Rewards?
Spruce Cash Back Rewards you for using your Spruce card for everyday purchases at select retailers – often at places…
Spruce overview
How will Spruce help me get better with money?
Managing your money is important. Spruce offers the ability to help you track spending, create Savings goals, check your credit…
Spruce overview
How is Spruce different from other mobile/online banking options?
Spruce is not a bank; it’s a modern mobile banking app built by H&R Block — a company with a…
Saving goals
Why should I create a saving goal?
Science says you should give your saving goal(s) a name and specific value in order to be more successful. The…
Cash back rewards
Do I have to select offers to get the Cash Back Rewards?
Nope! Earning cash back has never been easier, it happens automatically when you use your Spruce card at participating retailers.…
Saving goals
How do I access my saving goal funds?
To use your funds, simply transfer them to your Spending Account, then spend as normal.
Cash back rewards
What if there aren't any Cash Reward merchants in my area?
That’s a bummer, but hope isn’t lost! Keep an eye out as there are constantly more offers throughout the U.S.…
Cash back rewards
How do I know when I've earned Cash Back?
If you have enabled email or push notifications, we’ll message you. If you haven’t enabled email or push notifications yet,…
Courtesy coverage
How do I enroll in Courtesy Coverage?
To enroll in Courtesy Coverage, you’ll need to meet some requirements: In the last 35 days, you need to have…
Courtesy coverage
What types of purchases can I use Courtesy Coverage on?
Courtesy Coverage covers debit card purchases and cash withdrawals only. ACH transfers, check transactions and other transactions are not covered.
Cash back rewards
I made a qualifying purchase. Where is my Cash Reward?
You should receive your Cash Back Reward the day after your qualified purchase amount is sent to the merchant (sometimes…
How do I add cash to my Spruce account?
To add cash to your Spruce Spending account, you can visit a participating retail location. You can find these locations…
How can I close my Spruce accounts?
Say it ain’t so! Please let us know how we can make your experience better and keep you around longer…
Can I use my Spruce spending account to pay for purchases through Venmo, Cash App, Pay Pal and Apple Pay?
Absolutely! Spruce works with Venmo, Cash App, PayPal, Apple Pay, and Google Pay. Apple Pay is a registered trademark of…
How do I reach Customer Service?
You can chat with us in the app or call us at (855) 977-7823.
What is my routing and account number for my Spending Account?
You can find your routing and account numbers in your Spruce online and app account. You can log in at…
Is direct deposit the only way to add funds to my spending account?
There are many ways to add funds to your Spruce spending account. In addition to Direct Deposit, you can connect…
How do I activate my card?
Did you know that your digital card is already active? You can see your digital card info by logging into…
I lost my card. How can I get a replacement card?
Replacement card? No problem. We’ll get that replacement out to you in no time. Just go to Account Management under…
I can't log on. How can I get help?
Oh no! Let’s see how we can help. Typing in the wrong login info seems to be a common issue.…
How do I report fraud on my card?
Oh no! Let’s flag what’s going on — you can report a lost or damaged card under Card management in…
How do I update or change my phone number?
You can update your phone number in the account profile section of the app or on SpruceMoney.com. You’ll need to…
Where are the ATM locations?
You can find these locations by navigating to the ATM locator feature in the Spruce app or by visiting sprucemoney.com/atm-locator/.
I prepared my taxes online with HRB and was approved for Spruce accounts, how do I access them online?
Smart move! All you need to do now is get the Spruce app or go to sprucemoney.com to create your…
How much can I overdraw my account?
Courtesy Coverage allows you to make certain transactions that overdraw your spending account up to $20 with no overdraft fee.…
What's my account balance?
You can see your account balances by logging into SpruceMoney.com or by getting the Spruce app. From there, you can…
Does opening a Spruce bank account impact my credit?
No, opening Spruce bank accounts does not impact your credit or your credit score.
How do I update or change my address?
To change your address, please contact customer support via chat or by calling (855) 977-7823.
Is Spruce a real bank?
Spruce is not a bank — it is a financial technology platform. Banking products you access through Spruce are provided…
How do I reset my PIN?
To reset your PIN, please log into your account, go to Account Management, and choose Card management, or you can…
How do I get paid early?
First, you need to set up direct deposit to your Spending Account. To be eligible, you must receive $200 in…
What's my savings balance?
You can view your account balance by logging into SpruceMoney.com or by getting the Spruce app. From there, you can…
Does H&R Block own Spruce?
Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessed through Spruce…
Does Spruce charge any fees?
Yes, fees apply for certain uses of your account. We believe in no hidden fees, so for the full list…
Do I have to be an H&R Block client to use Spruce?
Doing your taxes with H&R Block is not a requirement to open a Spruce account, but you are always welcome…
Can I move money from my saving goal to my spending account? How many times a month?
Absolutely! The money saved for your goals is your money. You can move it between your savings and spending accounts…
What do I need to open my Spruce accounts?
All you need to do now is get the Spruce app or go to sprucemoney.com to sign up. Just provide…
When can I start using my Spruce account?
Right away! As soon as your accounts have been created, you can load funding and access your digital Spruce debit…
What information does the merchant receive about my card or other personal information?
Good question! By getting a Cash Back Reward, merchants don’t receive any additional information about you from your Spruce card,…
What is Courtesy Coverage?
We know these moments happen and we got you covered! Courtesy Coverage allows you to make debit card purchase transactions,…
What type of account is my Spruce account?
When you access bank accounts through Spruce, you get a Spending Account as well as a Savings Account established at…
Who is eligible for Courtesy Coverage?
To be eligible for Courtesy Coverage, you need to meet these requirements: In the last 35 days, you need to…
How do I get Cash Back Rewards?
You earn Cash Back Rewards when you pay with your Spruce card at participating merchants. Spruce Rewards are powered by…
What is Spruce and why do I need it?
Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessible through Spruce…
Do you pay interest on the Spruce Bank Accounts?
While Spruce accounts are not interest-bearing, our cash back rewards go the extra mile. Earn cash back by just by…
What happens to my saving goal once I hit my goal?
Goooal! You did it! What happens next is up to you. You can move the money to your spending account…
How can I see Cash Back Reward offers near me, or at merchants I may like?
Check out all the available Cash Back Reward offers near you in your Spruce app. Log in to Spruce, select…
How many saving goals can I have at a time?
Saving goals are subaccounts in your Spruce saving account that you can dedicate to particular goals. There are three total…
What are Spruce Cash Back Rewards?
Spruce Cash Back Rewards you for using your Spruce card for everyday purchases at select retailers – often at places…
How will Spruce help me get better with money?
Managing your money is important. Spruce offers the ability to help you track spending, create Savings goals, check your credit…
How is Spruce different from other mobile/online banking options?
Spruce is not a bank; it’s a modern mobile banking app built by H&R Block — a company with a…
Why should I create a saving goal?
Science says you should give your saving goal(s) a name and specific value in order to be more successful. The…
Do I have to select offers to get the Cash Back Rewards?
Nope! Earning cash back has never been easier, it happens automatically when you use your Spruce card at participating retailers.…
How do I access my saving goal funds?
To use your funds, simply transfer them to your Spending Account, then spend as normal.
What if there aren't any Cash Reward merchants in my area?
That’s a bummer, but hope isn’t lost! Keep an eye out as there are constantly more offers throughout the U.S.…
How do I know when I've earned Cash Back?
If you have enabled email or push notifications, we’ll message you. If you haven’t enabled email or push notifications yet,…
How do I enroll in Courtesy Coverage?
To enroll in Courtesy Coverage, you’ll need to meet some requirements: In the last 35 days, you need to have…
What types of purchases can I use Courtesy Coverage on?
Courtesy Coverage covers debit card purchases and cash withdrawals only. ACH transfers, check transactions and other transactions are not covered.
I made a qualifying purchase. Where is my Cash Reward?
You should receive your Cash Back Reward the day after your qualified purchase amount is sent to the merchant (sometimes…
Get to know Spruce.
Spruce is mobile banking for people who want to get better with money. Find money tips in our Resource Center or learn more about Spruce below.
Spruce℠ is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by Pathward, N.A., Member FDIC.