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.
Get serious about security.
We’re committed to helping you keep your data and funds safe. That’s why Spruce includes features like custom transaction notifications, multifactor authentication and much more.
As featured on Fast Company.
Check out “Improving financial health for those who need it most” to see what Spruce and Fast Company had to say about financial health and inclusion.
Need cash? No problem.
Get access to 55,000 fee-free ATMs nationwide to withdraw money on the go.
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 with technology that provides you with budgeting tools, automatic saving options and financial insights that help you be good with money.
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 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.
No, opening Spruce bank accounts does not impact your credit or your credit score.
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.
- 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.
- 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.
- No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
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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 bank accounts, provided by Pathward, N.A.