About Spruce Online Banking | Spruce Help Center

All spruce overview questions

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…

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…

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…

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…

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…

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 Pathward, 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.