Earn 3.50% APY12 on your savings and 7 more reasons to try Spruce
Getting your max refund might be the goal right now, but why stop there? This is your chance to keep that momentum going and make the most out of your money all year.
Enter Spruce—the mobile banking app built for today, and for the way you actually live and earn. Whether your income is steady, comes in waves, or you’re juggling a few side hustles, Spruce flexes with you.
Finances can feel overwhelming, but Spruce is here to help you make confident moves—no complicated jargon, no judgment, just tools that fit your life and help you stay in control.
Check out the list below to see if Spruce is right for you—or maybe even someone you know. Valuable fintech tools are something everyone can use (no gatekeeping here!).
Easy money management, no monthly fees. Explore the Spruce mobile banking app, built by H&R Block.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
8 Spruce features to make the most of your money
With features that make day-to-day money management easy or those helping you improve your financial future, Spruce has features that fit your life.
Earn interest: Get 3.50% APY12 on every penny in savings
Why let your refund or savings sit idle? With Spruce, you can earn a high-yield 3.50% APY on your savings (no minimum balance requirement). That’s well above the national average, so your money grows while you plan your next move.
Need part of your refund now? You can always just save part of your refund. The Spruce app recommends getting started with 15%, but our savers often increase that to 25% or higher to help reach their goals.
Early tax refund: Receive your money up to 5 days early7
Why wait for your refund longer than you have to? When you direct deposit your federal tax refund into Spruce, you could get it up to 5 days early. No extra fees, no hoops to jump through—just faster access to the cash you’re counting on.
Saving goals: Make your dreams happen
Whether you’re saving for an emergency, a vacation, or something fun, Spruce lets you set personalized saving goals. Name your goal, set the amount, and use auto-save settings to put money away at your own pace. You’ll see your progress every step of the way, making saving less stressful and more rewarding.
Round up: Save without thinking
Spruce’s Round Up feature makes saving effortless. Every time you use your Spruce debit card, purchases are rounded up to the nearest dollar, and the spare change goes straight into your Extra Savings account. It’s automatic, so you build your savings in small amounts that add up over time—you just might surprise yourself with the extra you’ll save.
Automatic budgeting tools: Smarter money moves
Budgeting doesn’t have to be a chore. Spruce’s automatic budgeting tools categorize your transactions and let you track spending in the areas that matter most to you. Set custom spending levels, personalize your Watchlist, and get a clear view of where your money goes—so you can adjust and save without judgment or hassle.
Early payday: Get paid up to 2 days early2
Spruce is here for you every (pay)day of the year. Set up direct deposit for your paycheck, and you could get paid up to two days early. That gives you more flexibility to cover expenses, plan ahead, or just enjoy the feeling of having your money when you need it.
See how easy it is to set up direct deposit right from the app. No need to go through your Human Resources portal!
Credit score: 5 Keep tabs and know what impacts your number
Your credit score can affect everything from loan rates to apartment approvals, so it pays to know where you stand. With Spruce, you can check your FICO® Score for free anytime, right in the app, without impacting your score. The app gives you insight to what’s helping or hurting your score in the context of your everyday money moves.
Overdraft protection: Courtesy coverage6 when you need it
Life happens, and sometimes you need a safety net. Spruce offers Courtesy Coverage overdraft protection for eligible members who opt in. If you make a debit card purchase or ATM withdrawal that puts your account in the negative, Spruce covers you up to $20—no overdraft fees. Just pay it back within 30 days, and you’re back in the green. It’s a little peace of mind for those unpredictable moments.
Open a Spruce account today
Spruce is your hub for spending, saving, budgeting, and learning—all in one place. Get started with Spruce today.
Get started with Spruce today!
This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone’s financial situation is different.
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.
2. 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.
5. Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.
6. Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days.
7. 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.
12. The Annual Percentage Yield (APY) is accurate as of 01/07/2026. This rate is variable and can change without notice. Spruce Savings Accounts opened prior to July 17, 2025, may be required to opt in through the Spruce app or at sprucemoney.com to start earning interest.
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