• SPRUCE FEATURES

    Mobile banking features to make your money go further

    • Get started now Get the app
    • Get started now Get the app

  • No hidden fees. No sign-up fees. No monthly fees. No minimum balance required.

    Fee transparency

    • Fee-free ATMs

      Access over 55,000 fee-free ATMs nationwide.

      Learn more

    • Free credit score

      View your credit score at any time and see how it’s calculated.

      Learn more

  • Take advantage of these tax season features

    You could get your federal refund up to 5 days early and then we can help you set a plan to save some for future goals.

    • Early federal tax refund

      Early federal tax refund

      If you deposit your federal refund into your Spruce account, you could get it up to 5 days early.

      Learn more

    • Smart tax refund

      Smart tax refund

      When you get your refund, we’ll recommend a portion of it to save. The amount you save earns high-yield interest when you opt in.

      Learn more

  • Get these mobile banking features with your Spruce Spending and Savings accounts

  • HIGH-YIELD SAVINGS RATE

    Earn interest

    Earn 3.50% APY on your Savings Account. No minimum balance required.

  • savings goals

    SAVINGS GOALS

    Set saving goals

    Customize goals based on what’s important to you.

  • MOBILE CHECK DEPOSIT

    Easily deposit checks

    Skip the trip to the bank and deposit checks from anywhere, anytime of day.

  • Budget tracking

    BUDGET TRACKING

    Track your spending

    Automatically categorize your spending and then choose which areas to keep a closer eye on with the Watchlist.

  • Get paid early

    EARLY PAYDAY

    Get paid early

    Get paid up to 2 days early when you set up direct deposit. No fees required.

  • courtsey coverage

    COURTESY COVERAGE

    Cover overdrafts

    Get up to $20 of fee-free overdraft protection.

  • SIGN UP FOR SPRUCE

    Get started with Spruce today

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  • 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 users, refer your friends!