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
Spruce overview
How do I reach Customer Service?
You can chat with us in the app or call us at (855) 977-7823.
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
What should I know about direct deposit?
Find out about our new direct deposit feature in our FAQs.
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…
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…
Send & receive money
How do I sign up for direct deposit manually?
To set up direct deposit for Spruce manually, follow these steps:
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…
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
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.…
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/.
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…
Send & receive money
How do I deposit a check with Spruce?
Depositing a check is simple to do from within the Spruce app: You’re all set! We’ll message you in-app if…
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…
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…
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
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…
Send & receive money
Is there a limit on the amount I can deposit by check into Spruce?
Yes. The maximum amount you can deposit is $2,000 per day or $5,000 in any rolling 30-day period.
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
When will I have access to the money from the check I deposited?
After you submit a check for deposit through the Spruce app, we will review the check and let you know…
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
Is Spruce a real bank?
Spruce is not a bank — it is a financial technology platform. Banking products you access through Spruce are provided…
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…
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
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…
Send & receive money
Can I split my deposit between more than one account?
Most employers and payroll systems allow you to split your direct deposit between multiple accounts by choosing either the amount…
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…
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…
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…
Send & receive money
How should I endorse my check?
To endorse your check, just flip your check over so the back is showing. At the top of the check…
Spruce overview
Do you pay interest on the Spruce Bank Accounts?
Spruce Savings accounts do pay interest once you opt in. Plus, our cash back rewards help your savings go the…
Send & receive money
How do I get paid early?
First, you need to set up direct deposit to your Spending Account. Once you are successfully setup, the get “paid…
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 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…
Send & receive money
Why was my check not accepted?
Unfortunately, we are not able to accept all checks submitted for deposit through the Spruce mobile app. If your check…
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…
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…
Send & receive money
How does the direct deposit setup with Atomic work?
Here’s how to set up direct deposit through Atomic:
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…
Send & receive money
What types of checks can I deposit? Can I deposit personal checks?
You can deposit personal, business, and government checks that: Are from a Financial Institution in the U.S. Are payable in…
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,…
Send & receive money
What if I can't find my employer or payroll provider?
There are currently over 40,000 employers supported through Atomic. If you can’t find your employer or payroll provider, Spruce provides…
Send & receive money
When can I deposit a check? Can I deposit a check immediately after I open my account?
You’ll need to have an active Spruce account for 30 days and at least $200 deposited in the past year…
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
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…
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…
How do I reach Customer Service?
You can chat with us in the app or call us at (855) 977-7823.
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…
What should I know about direct deposit?
Find out about our new direct deposit feature in our FAQs.
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 activate my card?
Did you know that your digital card is already active? You can see your digital card info by logging into…
How do I sign up for direct deposit manually?
To set up direct deposit for Spruce manually, follow these steps:
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…
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…
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.…
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 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 deposit a check with Spruce?
Depositing a check is simple to do from within the Spruce app: You’re all set! We’ll message you in-app if…
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…
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 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…
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…
Is there a limit on the amount I can deposit by check into Spruce?
Yes. The maximum amount you can deposit is $2,000 per day or $5,000 in any rolling 30-day period.
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…
When will I have access to the money from the check I deposited?
After you submit a check for deposit through the Spruce app, we will review the check and let you know…
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…
Is Spruce a real bank?
Spruce is not a bank — it is a financial technology platform. Banking products you access through Spruce are provided…
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…
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.
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…
Can I split my deposit between more than one account?
Most employers and payroll systems allow you to split your direct deposit between multiple accounts by choosing either the amount…
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…
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'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…
How should I endorse my check?
To endorse your check, just flip your check over so the back is showing. At the top of the check…
Do you pay interest on the Spruce Bank Accounts?
Spruce Savings accounts do pay interest once you opt in. Plus, our cash back rewards help your savings go the…
How do I get paid early?
First, you need to set up direct deposit to your Spending Account. Once you are successfully setup, the get “paid…
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 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…
Why was my check not accepted?
Unfortunately, we are not able to accept all checks submitted for deposit through the Spruce mobile app. If your check…
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…
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…
How does the direct deposit setup with Atomic work?
Here’s how to set up direct deposit through Atomic:
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…
What types of checks can I deposit? Can I deposit personal checks?
You can deposit personal, business, and government checks that: Are from a Financial Institution in the U.S. Are payable in…
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 if I can't find my employer or payroll provider?
There are currently over 40,000 employers supported through Atomic. If you can’t find your employer or payroll provider, Spruce provides…
When can I deposit a check? Can I deposit a check immediately after I open my account?
You’ll need to have an active Spruce account for 30 days and at least $200 deposited in the past year…
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 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 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…
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 fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.