Phone showing tax refund feature in Spruce mobile app

Tax refund recommendation

Use your refund to jumpstart your savings.

The Spruce mobile banking platform can help you make the most of your tax refund by making a plan for the money you get back.

Put your refund to good use.

After your tax return is finished, Spruce will prompt you to allocate a portion of it for savings. Put it towards one of your in-progress saving goals, or start a new one. No matter what amount you choose to save, it will help get you closer to your goals.

Boost savings without a second thought.

When your refund’s on its way or after it’s deposited into your spending account, you can choose to tuck away a portion of it. Spruce will transfer the money to your chosen saving goal. Your nest egg grows and you may be less tempted to spend the entire amount. Win-win.

Get your tax refund up to 5 days early.

Did you know, getting your federal tax refund deposited directly into your Spruce account is one of the quickest ways to get your refund? Have your money up to 5 days sooner with Spruce.

Phone showing tax refund feature in Spruce mobile app

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. Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.