WELCOME TO SPRUCE!

Get Your Refund FAST with Spruce!

With the Spruce mobile banking app, you could get your federal tax refund up to 5 days early! when you have your refund deposited directly into your Spruce Spending Account.

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Enter Email: Get Started Already have an account? Sign in with your email.

By providing your email, you agree to receive Spruce marketing emails. See our Privacy Notice for how we collect and use your info. Bank products by Pathward®, N.A., Member FDIC

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Mobile Banking App Features You'll Love!

Get paid up to 2 days early Go to disclaimer for more details	Personalize your budget	Watchlist	Access your money with the Spruce app
Earn 3.50% APY in a savings account Go to disclaimer for more details	Explore all features

No monthly fees. No min. balance required. No sign-up fees.

“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 Takes Security Seriously!

FDIC insured through Pathward®, N.A. Member FDIC

Your deposits are FDIC insured up to $250,000 — the maximum amount permitted by law.

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24/7 fraud support. 24/7 dedicated fraud and lost debit card support and transaction fraud monitoring

Fraud protection features. Freeze/unfreeze your debit card if it gets lost or stolen, hide your Spruce card number while using it in public, and rest easy knowing your Spruce debit card is protected by Mastercard Zero Liability.

Learn more about security

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ATM Finder

Need cash? No problem. Get access to over 55,000 fee-free ATMs nationwide to withdraw money on the go.

Find ATMs near me

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.

Under Construction!

This area is under construction. Check back later for updates!

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