Get your federal refund up to 5 days early
*Average refund taxpayers received based upon IRS data date ending 2/21/2025
BUILT BY H&R BLOCK
Make the most of every dollar with Spruce
Spruce is an everyday money management app that helps you make the most of your spending, savings, tax refund, and more – all in one place.
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Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC./span>
From taxes to everyday money management
Taxes may feel once a year, but in reality, they’re part of every paycheck. Spruce was built by H&R Block to help you take a holistic, birds-eye view of your finances and manage them all year round.
Enter to win $1,000 every month*
We’re giving away real money and helping you save along the way. Transfer as little as $10 into your Spruce Savings account for a chance to win.
*March 2026 - February 2027
Mobile banking features that add up
Earn 3.50% APY in a savings account
Get paid up to
2 days early
Personlize your budget
with the Watchlist
More reasons people are joining Spruce
Banking accounts
You'll have access to a Spruce Spending Account and a Spruce Saving account.
Round up
Opt in to automatically round up Spruce debit card purchases to the next dollar, and we'll deposit the change into your Extra Saving.
Mobile Check Deposit
Skip the trip to the bank and digitally deposit checks using the Spruce mobile banking app.
If you get a refund, we’ll recommend a portion of it to save.
Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.
Get a free credit check and learn about the factors that could be impacting your score.
FDIC insured
Your accounts are FDIC insured up to $250,000 through Pathward®, N.A., Member FDIC. Spruce.
“I love my new Spruce bank account and thank you all for everything. I’m telling everyone about Spruce and H&R Block when I get the chance.”
– Scotty
Photo is for illustrative purposes only. Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
Spruce mobile banking FAQs
Spruce is a financial technology platform built by H&R Block, which is not a bank. Bank products accessible through Spruce are provided by Pathward®, N.A., Member FDIC. Spruce helps you stay in control of your money through spending and savings accounts backed by technology that provides budgeting tools, automatic saving options, and financial insights that help you be good with money. To learn more, see sprucemoney.com/features.
Mobile banking is a service that allows customers to access their bank accounts and process banking transactions on their mobile device, such as a smartphone or tablet. Users can view account balances, transfer money, deposit checks, and locate ATMs.
The Spruce mobile banking app is a full-service financial platform that can manage your finances securely. In addition to the basic offerings of mobile banking, Spruce also has budget tracking tools and credit score insights to help you reach your financial goals.
With Spruce, you can also access your accounts by logging in online at Sprucemoney.com.
To sign up with Spruce, download the Spruce app and sign up or go to https://account.sprucemoney.com/signup/.
You’ll need to provide some verification info and create a unique password to apply for Spruce. If approved, you will open and have access to your new Spending and Savings accounts and digital debit card immediately. You’ll receive your physical debit card in 7-10 business days.
Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessed through Spruce are provided by Pathward, N.A., Member FDIC.
Doing your taxes with H&R Block is not a requirement to open a Spruce account, but you are always welcome to do so! Spruce is for anyone.
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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