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

Our commitment to you

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

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 thousands of fee-free ATMs near you to withdraw money on the go.

Want to learn more?

Visit the resource center for money tips and financial knowledge.

The Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is 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 are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.
  3. There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.
  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 bank accounts, provided by Pathward, N.A. This product does not report to credit reporting agencies.