Get better with money. Get Spruce.

Spruce is mobile banking to help you set saving goals, earn cash back offers, and get paychecks up to two days early. Get a $20 bonus when you receive qualifying direct deposits. See offer details.

No hidden fees. No monthly fees. No signup fees.

Get started today Fee Transparency

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.

Make saving a snap.

Use your tax refund to jumpstart your saving goals or put money away for an emergency fund.

Set money milestones and track your progress.

Explore Spruce features Learn about saving

Automatic cash back rewards.

Get cash back at thousands of places when you shop, dine or book hotels.

Use cash back to help meet your saving goals.

See features Learn about cash back

Get the Spruce mobile app.

Access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.

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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