Spending account

Get a spending account with no monthly fees.

Take control of your money with a Spruce Spending account and take advantage of no monthly fees, sign up fees or minimum balance requirements.

No monthly fees with Spruce
Spruce Watchlist

Budget tracking on your terms with Spruce.

The Spruce mobile banking app automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.

Spruce mobile banking with direct deposit

Overdraft? No worries.
Need your paycheck early? We got you.

Use the Spruce app to easily set up direct deposit and reap the benefits. Qualifying customers can enable up to $20 of fee-free overdraft protection for card purchases and even receive their paychecks up to 2 days early. 

ATM Finder

Need cash? No problem.

Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.4

Get access to over 55,000 fee-free ATMs with Spruce
Spruce debit card protected by Mastercard Zero Liability

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.

Want to learn more?

Visit the resource center for money tips and financial knowledge.

Get the Spruce mobile app.

With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.

Spruce mobile banking app and features
Spruce mobile banking app and features

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. 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
  2. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  3. 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.
  4. 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.