Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC
Spruce is a mobile banking app for people who want to be better with money. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.
Here's how Spruce can help you be good with money:
- No sign-up fees, no monthly fees, no credit check, and no minimum balance required.
- Get your Federal Refund Early! Receive your federal refund up to 5 days early with Spruce. *
- You're Protected With Courtesy Coverage. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. ~
- Personalized Saving Goals. You can customize goals, start saving, and begin tracking your progress.
- Round Up. Pay yourself when you spend and round up to the nearest dollar.
- Cash Back. Earn cash back when you spend at select retailers. #
- Direct Deposit. Get your paycheck up to 2 days early with direct deposit. ≠
- Credit Score. Stay on top of your score, get score insights, and better understand your credit score. ±
Legal Disclaimers
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.
# Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
± 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 bank accounts, provided by Pathward, N.A.
^ 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.
~ 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. See Spending Account Agreement for details.
* Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. May be modified or discontinued at any time.
Spruce is a mobile banking app for people who want to be better with money. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.
Here's how Spruce can help you be good with money:
- No sign-up fees, no monthly fees, no credit check, and no minimum balance required.
- Get your Federal Refund Early! Receive your federal refund up to 5 days early with Spruce. *
- You're Protected With Courtesy Coverage. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. ~
- Personalized Saving Goals. You can customize goals, start saving, and begin tracking your progress.
- Round Up. Pay yourself when you spend and round up to the nearest dollar.
- Cash Back. Earn cash back when you spend at select retailers. #
- Direct Deposit. Get your paycheck up to 2 days early with direct deposit. ≠
- Credit Score. Stay on top of your score, get score insights, and better understand your credit score. ±
Legal Disclaimers
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.
# Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
± 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 bank accounts, provided by Pathward, N.A.
^ 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.
~ 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. See Spending Account Agreement for details.
* Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. May be modified or discontinued at any time.
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