Spruce takes security seriously.

You trust us with your money, and we don’t take that responsibility lightly. Spruce has multiple layers of security and easy-to-use features that can help you keep your data and funds safe.

Controlling your card is a cinch.

Lost or stolen debit card? Use the Spruce app to lock your card and prevent new card purchases or unauthorized visits to the ATM. If you need to replace your debit card, you can also request a new one right from the Spruce app. Need to report suspected fraud?

An extra layer of protection.

Your Spruce debit card is protected by Mastercard Zero Liability. Shop with peace of mind, knowing you generally won’t be responsible for unauthorized charges if your card is lost or stolen.

We’re looking out for you and your money.

Spruce mobile banking was made for people who want to be better with money. And that includes features designed to help keep your money and data secure.

Fraud monitoring

Call us overprotective, but we want to make sure it’s you spending your money. And only you. If we see a transaction that seems out of the norm, we’ll shoot you a text so you can confirm it was you.

Customize transaction notifications

A little extra awareness never hurts. Set your own dollar amount limit and if a transaction occurs over that limit, you’ll get a text from us. Turn these instant alerts on or off whenever you like.

Dedicated 24/7 support

Rest assured that it’s easy to get in touch with us. In the event of a lost card or even suspected fraud, we’ve got a dedicated team ready to assist you 24 hours a day, 7 days a week.

Your funds are FDIC insured

Why use Spruce to save your money instead of a shoebox under the bed? Because your Spruce accounts are FDIC insured up to the maximum amount permitted by law. The shoebox, not so much.


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

Built by H&R Block

You’re trusting Spruce with something you can’t live without: your money. Rest easy. This mobile banking platform is built by H&R Block which makes security a priority and has over 65 years of experience helping people with their finances.


Spruce℠ is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by Pathward, N.A., Member FDIC.

A more secure way to log in

Not only does Spruce support multifactor authentication, you can also enable login via Touch ID or Face ID to further help protect your account from unauthorized access.

customer service

Not finding what you need?

If you need to get a hold of Customer Service, you can chat with us in the app or call us at (855) 977-7823.

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. Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions using your Card is $0 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard. Please see Spruce Spending Account Agreement the for additional terms and restrictions that may apply.