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
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…
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…
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…
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
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…
Spruce overview
How do I reach Customer Service?
You can chat with us in the app or call us at (855) 977-7823.
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
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…
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…
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.
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
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…
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…
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 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
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…
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
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…
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…
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…
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,…
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…
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…
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,…
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…
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…
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.
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…
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…
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
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…
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
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…
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.
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…
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
Which account do my Cash Back Rewards go to?
Your Cash Back Rewards are automatically deposited into your Extra Savings goal in your savings account. Save your rewards or…
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 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…
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,…
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…
Spruce overview
What is Spruce's mission?
Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more…
Courtesy coverage
Is there a fee for using Courtesy Coverage?
Courtesy Coverage is provided at no cost for Spruce account holders who qualify.
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.…
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.…
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 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…
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 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.…
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…
How do I reach Customer Service?
You can chat with us in the app or call us at (855) 977-7823.
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…
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…
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…
Does opening a Spruce bank account impact my credit?
No, opening Spruce bank accounts does not impact your credit or your credit score.
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/.
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…
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…
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 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…
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…
How do I update or change my address?
To change your address, please contact customer support via chat or by calling (855) 977-7823.
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…
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…
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…
What is Courtesy Coverage?
We know these moments happen and we got you covered! Courtesy Coverage allows you to make debit card purchase transactions,…
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…
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…
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,…
Is Spruce a real bank?
Spruce is not a bank — it is a financial technology platform. Banking products you access through Spruce are provided…
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 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.
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…
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 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…
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…
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…
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 do I access my saving goal funds?
To use your funds, simply transfer them to your Spending Account, then spend as normal.
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 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…
Which account do my Cash Back Rewards go to?
Your Cash Back Rewards are automatically deposited into your Extra Savings goal in your savings account. Save your rewards or…
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 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…
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,…
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…
What is Spruce's mission?
Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more…
Is there a fee for using Courtesy Coverage?
Courtesy Coverage is provided at no cost for Spruce account holders who qualify.
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.…
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.…
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 MetaBank®, N.A., Member FDIC.