Spruce is a mobile banking app that offers easy-to-use financial tools to help you manage your money. Take care of your daily finances with a Spruce Spending account while budgeting for long-term goals with a Spruce Savings account. Whatever your financial goals, the Spruce digital banking app is here to help you build a better relationship with your money.
Be sure to check out high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account.
Find convenience with your Spruce accounts where you can easily manage your finances, transfer money, and deposit checks in the app‡.
You can also enjoy these Spruce account benefits:
No sign-up fees
No monthly fees
No minimum balance requirements
No credit check
Set financial goals and save money the smart way! You don’t have to sacrifice what you love to save—set a Saving Goal in the Spruce app and use automated deposits to make it easier to reach your goal. Then, opt in to make your money work even harder for you with 3.50% APY*.
Sit back and let Spruce categorize your transactions, then use Watchlist to keep an eye on categories that matter most. Watchlist helps you keep track of spending and lets you set monthly income goals to help you stay ahead.
QUICK START TIPS
1. Download the Spruce mobile banking app.
2. Create a super secure password with at least 8 characters.
3. Sign up for your Spruce Spending and Savings accounts.
4. Explore the Spruce navigation menu:
---My Life. See a snapshot of your balances and recent transactions.
---Spending. Review your debit and deposit transactions.
---Move Money. Move money between accounts.
---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*.
---Credit. Check your credit score and learn more about improving your credit.
DISCLAIMERS
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are 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.
* The Annual Percentage Yield (APY) is accurate as of 1/23/2025. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.
∞ Funds are insured by the FDIC on a pass-through basis, subject to applicable limitations, restrictions, and requirements for such FDIC pass-through insurance, when the funds are received in your account. FDIC insurance only protects when an FDIC-insured institution fails. Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward® N.A. is an FDIC-insured depository institution.
^ Spruce℠
± 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.
~ 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.
≠ 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.
≈ No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
‡ Mobile check deposit is available after you have deposited at least $200 in the past year and your accounts have been open for 30 days.
I recently signed up for the spruce account because I file my taxes with H&R Block every single year. I decided “why not” and filed my taxes to get my direct deposit into my new spruce account. I was a little nervous because it’s a new platform but I wanted to find a faster way to get my tax refund. Signing up for Spruce was easy, learning my way around the app was quite easy as well. My only real complaint is there isn’t a specific section to see my “pending deposits” they kind of just show up (unless I haven’t found where to see that information yet). The best part is my tax return wasn’t suppose to be direct deposited until 02/22, however it came EARLY!! Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! I’d recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;.
Developer Response
Thanks for your review! We appreciate it — and you — for being a part of the Spruce community. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months.
DO Not Use
Ck Christian
I did an instant deposit/transfer from cash app into Spruce for $1250. It never showed up! I have contacted cash app, they provided me indisputable proof that Spruce received the money. I never received the debit card either which is.why cash app was involved to begin with. The live chat was useless it took 5 tries to get a person because the screen kept refreshing knocking me off. The CS was a joke on the chat and the phone. I got conflicting information and a copy & paste from the FAQ’s but they did not tell me anything other than the transaction did not go through bc I exceeded my daily limit for transfers.. let’s think about that I was able to transfer out $5k no problem the day before but I was denied depositing $1250 into the Spruce account? What sense does that make and I had made no other transactions of any kind that day. Cash app says that it was completed successfully and showed me where it was and they have NOT received the money back. They actually refunded the fee for the transaction but if the money is not back into my cash app by Tues then I will be taking this a whole lot further. I had a great experience with H&R Block but I wish I would’ve waited a few extra days for my refund to be deposited into my bank account. And to finish it off they spending account still has not updated from days ago either. There are so many other great mobile banks out there and if you look into this app it’s not a bank just an app H&R Block made… I would give it negative stars if I could.
Developer Response
We’re sorry for the issue you encountered with Spruce, and we’d like to help. Please drop us a line at solutions@sprucemoney.com or call us at 855-977-7823 so we can investigate this issue further and work on getting it fixed. Thank you!
This company is terrible
sticklepryncesz
Update: HRBlock called me finally and kinda fixed the situation but not entirely. I was at least able to get access to the money to pull it all off. They had to activate the card themselves and set the pin number so they had my pin and all my info. Not safe, not secure and no one can really help you. You have to wait 5 days for someone to reach out to you but I told them I’d contact my attorney for holding funds hostage and they called right away. This card and service is downright awful. Don’t do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. No one can help me or give me information. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. They tell me they can see the account and all my info matches but I have no access to my money. I would run from these people. If you haven’t gotten a card from them, they want the card info before sending you another card! HOW WHEN I NEVER GOT IT!!! Never even asked for this and here I am with no insight on when I’ll be able to access the money. They’ll close the account but it’ll take longer than 5 business days to process the closure and send a check. They’re ridiculous and customer service is awful.
Developer Response
Thanks for your feedback! We’re sorry for the issue you encountered with Spruce, and we’d like to help. Please drop us a line at solutions@sprucemoney.com or call us at 1-855-977-7823 so we can investigate this issue further and work on getting it fixed. Thank you!
DISTURBING !!!
Navyman21
So I’m a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank…. BIG MISTAKE !!! I downloaded the app and applied for account. Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! This means their mobile app does NOT sync with your phone or know who you are !!! This is a HUGE security risk and the first red flag !! Once you’re in the mobile app, if you try clicking on “security notifications” to choose how you’d like your security set up, it doesn’t do anything ? It does nothing !! It’s like it’s disabled ?? 2nd red flag !! It gets worse from there….. I called their toll free number to close down my account since there’s NO WAY I’m going to trust this company or banking app with my info, let alone my money, and SURPRISE !! I get a call center in a foreign country….. Philippines !! Umm…. how about NO !! And the lady I spoke with, didn’t even have the ability to close down my account ?!?! Seriously ?? Is this a joke ?? She told me she would have to submit a request to their “back office” to close my account and that basically I MIGHT get an email confirming closure, whenever they get around to it ?? DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! You’ve been warned !!
Developer Response
We’re sorry to hear about the poor customer service experience you had and we’d like to help! Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly.
We’ve rolled out a refreshed Spruce app with a new look and feel. It’s easy to use, with improved navigation to help you move through the app more smoothly. You can now view your Savings and Goal balances right in MyLife, so you can keep track of everything in one place. Update to the latest version to start enjoying these new features today.
Stay tuned for more updates coming your way.
Version 5.6.0
The developer, HRB Tax Group, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
