Pair Spruce with Emerald Advance℠ Loan
Planning to apply for Emerald Advance℠ Loan? Sign up for Spruce now and get convenient access to loan funds if approved. Use the mobile app for spending or get cash from over 55,000 fee-free ATMs.
Emerald Advance℠ Loan access
Get better with money. Get Spruce.
Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early, and earn cash back rewards at select retailers.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.
Save big on tax prep with H&R Block
when you deposit $200 or more in your Spruce account by Dec. 31.
Early tax refund
Get your federal refund up to 6 days early.
Deposit your federal tax refund into your Spruce account and you could get it up to 6 days early.
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.
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.
- Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.
- To receive the coupon from H&R Block, you must deposit at least $200 in your Spruce account from November 15, 2023 through December 31, 2023. Coupons will be emailed to the Spruce email of record by January 15, 2024. Offer limited to one per customer, cannot be combined with any other offer, and may be modified or discontinued at any time. Coupon valid at participating Block Advisors and H&R Block U.S. offices or for a paid version of H&R Block Online for an original 2023 federal personal income tax return. Discount may not be combined with any other offer or promotion. Void if transferred and where prohibited. Retail coupon must be presented prior to completion of initial tax office interview, and H&R Block Online coupon code must be entered prior to payment. No cash value. Expires 4/30/2024. OBTP#13696-BR ©2024 HRB Tax Group, Inc.