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Your financial wellness starts with Spruce

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Why Spruce?

Built on a solid foundation by H&R Block from decades of financial experience, Spruce is here to help you take control of your finances.

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A long history of help

Spruce is built by H&R Block, a company with a rich history in helping people with finances.

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A mission with you in mind

Our mission is to provide a fair, frank, and progressive financial future for everyone.

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Backed by one of the best

Bank products provided by Pathward® N.A., Member FDIC, a federally-chartered bank founded in 1954.

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Industry-leading partners

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

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FDIC insured deposits

Deposits are FDIC insured up to $250,000 through our bank partner Pathward®, N.A., Member FDIC.

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Simplified money management

Track spending, set saving goals, check credit score, and more through an easy-to-use app.

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

FAQs

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 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/.

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.

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.

More FAQs

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

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.

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.

Start your journey with Spruce

Join the hundreds of thousands of Americans who opened a Spruce account and are taking control of their financial future today.

Get started

WHAT SPRUCE USERS HAVE TO SAY

“I love my new Spruce bank account and thank you all for everything. I’m telling everyone about Spruce and H&R Block when I get the chance.”

– Scotty

We’re here to help

Want to learn more? We’ve covered everything you need to know from opening and managing your Spruce account, to practical guidance for financial wellness.

See the resource center

Get Spruce

With Spruce, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.



Spruce mobile banking app and features

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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