Is Spruce a real bank?

Last updated: December 28, 2023

Spruce is not a bank — it is a financial technology platform. Banking products you access through Spruce are provided by Pathward®, N.A., Member FDIC.

Spruce provides access to secure banking services like Spending and Saving accounts, digital and physical debit cards, as well as other non-banking services, like insight into your credit score.

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