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 powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
No fee to withdraw money at Allpoint^® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
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 Spending and Savings accounts, provided by Pathward, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.