Spruce makes it easy to be good with money.

Spruce is a mobile banking platform built by H&R Block especially for people who want to be good with money. Set saving goals. Get automatic cash back. Get paid up to two days early.

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.

Spruce has solid roots.

With plenty of mobile banking platforms to choose from, wondering why you should use Spruce? How about:

A long history of help

The Spruce app is built by H&R Block, a company with a rich history in helping Americans with their finances.

Backed by one of the best

Banking services powered by Pathward, a federally-chartered bank founded in 1954.

Industry-leading partners

FICO® score based on Experian data and cash back rewards powered by Dosh.

OUR COMMITMENT TO YOU

We’ll help you make your money go further, so you can too.

ATM FINDER

Need cash? No problem.

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

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.

FAQs

Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessible through Spruce are provided by Pathward®, N.A., Member FDIC. Spruce helps you stay in control of your money through spending and savings accounts backed by technology that provides budgeting tools, automatic saving options, and financial insights that help you be good with money. To learn more, see sprucemoney.com/features/.

Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more than your finances!

When you access bank accounts through Spruce, you get a spending account as well as a savings account established at Pathward®, N.A., Member FDIC.

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

Spruce is not a bank, it’s a modern mobile banking app built by H&R Block — a company with a long history of helping people with their finances. Spruce offers the ability to help you track spending, create Savings goals, earn Cash Back Rewards, check your credit score and much more! To learn more, please see sprucemoney.com/features/.


Banking products accessed through Spruce are provided by Pathward®, N.A., Member FDIC.

Yes, fees apply for certain uses of your account. We believe in no hidden fees, so for the full list of fees, see sprucemoney.com/fees.

The Spruce app provides access to secure banking services like spending & savings accounts, virtual and physical debit cards, as well as other non-banking services, like insight into your credit score.


Spruce is not a bank — it is a financial technology platform. Bank products you access through Spruce are provided by Pathward®, N.A., Member FDIC.

You can chat with us in the app or call us at (855) 977-7823.

Managing your money is important. Spruce offers the ability to help you track spending, create Savings goals, check your credit score and much more!

Doing your taxes with H&R Block is not a requirement to open a Spruce account, but you are always welcome to do so! Spruce is for anyone who wants to be good with money. We were built by H&R Block, but being an H&R Block client is not a requirement.

All you need to do now is get the Spruce app or go to sprucemoney.com to sign up. You’ll need to provide some verification info, create a unique password, and voilà! Spruce will be ready to go for you. You’ll need to use the email address and phone number you provided while filing your taxes if you started your electronic Spruce account in the H&R Block Online experience.


Spruce spending and savings accounts are established at, and the Spruce debit card is issued by, Pathward®, N.A., Member FDIC.

Want to learn more?

Visit the resource center for money tips and financial knowledge.

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. Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. 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.
  3. No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
  4. Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.