Manage everyday spending from your phone — no monthly fees, sign up fees, or minimum balance required.
Fee transparency
Set up direct deposit and get paid up to 2 days early.
Get 24/7 dedicated fraud and lost card support and transaction fraud monitoring.
Qualifying Spruce members can opt in for $20 of fee-free overdraft protection.
Automatically categorize transactions and choose which areas to keep a closer eye on with the Watchlist.
Spruce Spending accounts have no monthly fees, sign up fees or minimum balance requirements.
Opt in to automatically round up Spruce debit card purchases to the next dollar, and we’ll deposit the change into your Extra Saving.
Streamline your finances and make Spruce your preferred payment method for recurring bills and subscriptions.
Your accounts are FDIC insured up to $250,000 through Pathward®, N.A., Member FDIC.
Once you’ve signed up and funded your account, add your debit card to your mobile wallet and shop where digital wallet payments are accepted.
Once you sign up for Spruce Spending, you’ll receive your Spruce debit card in the mail. Simply activate your card, and start spending.
Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.
Enter your email to get started with Spruce. See our Privacy Notice for how we collect and use your info.
All dollar amounts shown are for illustrative purposes only.
Visit the resource center for money tips and financial knowledge.
A spending account is a bank account designed for everyday spending.
Spruce offers the flexibility of accessing your checking account using your debit card through your mobile wallet or the physical card.
Using a spending account can separate your everyday spending from your savings so you can better track your transactions. When you set up a Spruce Spending Account, you can also take advantage of features like budgeting Watchlist, fraud monitoring and protection, and getting paid up to two days early when you set up direct deposit.
You can use either your digital or physical Spruce debit card to shop at online retailers just like you would use it in a physical store. You can also use your card to make online payments for things like bills, utilities, and subscriptions.
As soon as your spending account has been created, you can add money and access your digital Spruce debit card info in the Spruce app or by signing in at www.SpruceMoney.com. You can use your digital debit card for online spending and in stores where digital payments are accepted until your physical card arrives in the mail and is activated.
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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