• 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

    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

    Track your spending

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

  • EARLY PAYDAY

    Get paid early

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

  • 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.

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