Savings account

Save money today for a better tomorrow.

Whether you’re saving for something specific or just trying to make every dollar go a little further, Spruce can help you create a strong financial foundation.

Saving Goals

Save now.
Sigh of relief later.

Create a custom saving goal to put money away for an emergency or the things you really want.

Automatic transfer

Make saving money almost automatic!

Set up automatic transfers to your Saving Goals for however much you want, as often as you please. You’ll be saving money without even thinking about it.

automatically transfer money to your savings goals

Round up

Round up and save those extra cents.

When you opt in to Round Up, we’ll automatically round up your Spruce debit card purchases to the next dollar and deposit the change into your Spruce Extra Savings account.

round up with spruce
automatic cash back rewards

Cash back rewards

Make money when you spend money.

Get automatic cash back rewards to put back into savings when you shop from select retailers you know and love.

Feel secure about your savings.

When you use Spruce to save your money, those funds are FDIC insured up to the maximum amount permitted by law.

FDIC insured up to $250,000
savings goal calculator

Set your sights on successful saving.

Use our Saving Goal calculator to see just how soon you could reach your financial goals when you start saving regularly.

Want to learn more?

Visit the resource center for money tips and financial knowledge.

Spruce fintech platform is built by H&R Block, which is not a bank. 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 registered trademarks of Mastercard International Incorporated.

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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. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.