Get your tax refund up to 6 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? Access your money up to 6 days early with Spruce.

Phone showing personalized savings feature in Spruce mobile app

SMART TAX REFUND

A personalized savings tool for your refund

The Spruce mobile banking platform can help you make the most of your tax refund by recommending a portion to save when you get it. Set up your plan and get ahead of your savings goals.

TAX REFUND CALCULATOR

Estimate your refund to plan ahead

Use the H&R Block Tax Refund Calculator to get an estimate of your expected refund and start your savings plan today.

FAQs

When you choose to deposit your federal refund into your Spruce account, you can get it up to 6 days early.

Spruce can recommend and help you save a portion of your tax refund based on how much you expect to receive. You can choose to set aside some of your refund to a Saving Goal or Extra Saving and get ahead with your savings plan!

To maximize your tax refund, there are several things you can do. For example, claim all deductions and credits you’re eligible for, use the correct filing status, and make sure your forms are filled out correctly.


For all things taxes, check out hrblock.com or visit an H&R Block tax pro near you.

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  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.