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.


Save now.
Sigh of relief later.

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


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 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


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.


A savings account is a bank account separate from your checking or spending account that you can deposit money to hold onto for use for later.

With Spruce, you get an Extra Saving account where you can create automatic savings transfers and receive proceeds from Round Up and cash back rewards.

While the Spruce savings account is currently not interest-bearing, our Cash Back Rewards go the extra mile. Earn cash back by just shopping at select stores you know and love. 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. To learn more, see

Round Up is an easy, automatic way to increase your savings — with no extra effort required. When you turn Round Up on in your Spruce account, each time a Spruce debit card transaction for a purchase or ATM withdrawal settles, we’ll round the transaction up to the nearest whole dollar amount and transfer the difference into your Extra Saving account. Just think of it as saving in autopilot — super easy saving in small amounts that add up over time!

For example, when your grocery purchase with your debit card for $19.49 settles, we will transfer $.51 to your Extra Saving account.

Also, if you make an out-of-network ATM withdrawal, you may get a Round Up. For instance, if you make a $20 withdrawal, in addition to the out-of-network $3 fee, the ATM owner charges you $2.50, when the transaction settles, you’ll see a $.50 Round Up transfer to your Extra Saving.

Tip: You’ll know a transaction is settled when you see it in your transaction history, and it’s no longer listed as Pending.

To access your savings in the Spruce app, sign into your account and tap the Saving tab.

To access your savings from desktop, sign into your account and click the Saving tab.

To then withdraw money from your savings account, you will need to transfer it to your spending account.

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.

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.

  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.