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Press Release

Spruce Launches Saving Surge Sweepstakes Encouraging Customers to Build Better Financial Habits and Awarding Nearly $5,000 in Total Prizes

Spruce News

Five Ways to Improve Your Money Habits During Financial Literacy Month, and Beyond

Spending

5 Steps to put your tax refund to good use

Press Release

H&R Block Customers Can Now Open a Spruce Account When Working with a Tax Pro

Spruce in the news.

Find out what media outlets are saying about the Spruce experience and how it stacks up to other mobile banking platforms.

Bad Credit • Dec. 19, 2024

An App Built on a Foundation of Trust and Dedicated to Putting You in Control of Your Financial Future

Bankrate • Feb. 05, 2025

Credit card default: How it happens, what to do about it

The Innovation Series • May. 04, 2023

Product Accessibility to Put Customers First with Helen Robb

View all in the news articles

Stories from Spruce.

See current press releases and what our money experts have to say about the inspiration behind Spruce.

Spruce News

Announcing federal tax refunds up to 5 days early

It’s tax season, which means it’s also refund season! But what if you could get your refund sooner? With the…

Spruce News

H&R Block introduces Spruce mobile banking platform to help more Americans be good with money

Spruce addresses significant unmet needs around spending, saving, and planning KANSAS CITY, MO. (Jan. 20, 2022) – Living paycheck to…

Spruce News

Spruce's 'Get Spruced' Sweepstakes

Get Spruced and enter for a chance to win $1,000! Over the next four weeks, we will be selecting four…

More stories and press

 

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  1. 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.
  2. 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.
  3. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  4. 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.
  5. 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.
  6. 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.
  7. Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.
  8. The Annual Percentage Yield (APY) is accurate as of 01/19/2026. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.

Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are trademarks of Mastercard International Incorporated. Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.