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.

Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by MetaBank®, 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. 

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. 

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.

Banking products and services are provided by Pathward, N.A., Member FDIC.

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 International Incorporated. 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 the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date.
  3. To receive this offer from H&R Block, you must 1) have established your new Spruce Spending and Savings accounts prior to Dec. 31, 2022 (subject to approval); and 2) have received at least $200 in qualifying direct deposits to your Spruce Spending Account within 45 days of account opening. Qualifying direct deposits for this offer are those made by ACH credit to your Spending Account, including recurring direct deposits from your employer or benefits provider, excluding tax refunds.  Other types of deposits to your account, including mobile check deposits, transfers from your Spruce Savings Account or other internal transfers, transfers from your external bank linked within Spruce, and cash transfers from third-party funds transfer providers do not count as qualifying direct deposits.  Your bonus will be deposited to your Spruce Spending Account within 14 business days after you have completed all of the above requirements.  To receive the bonus, your Spruce Accounts may not be closed or restricted at the time of payout.  The bonus may be considered taxable income, and you are responsible for the tax treatment of the funds.  Offer limited to one per customer, and may be modified or discontinued at any time.