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 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.
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 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.
- 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.
- 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.