Spruce - Mobile banking

H&R Block Digital Tax

About this app

Spruce is a mobile banking app that offers 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 Savings account. Whatever your financial goals, Spruce is here to help you build a better relationship with your money.

Be sure to check out our latest feature: high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account today.

With your very own Spruce accounts, you can also enjoy:
No sign-up fees
No monthly fees
No minimum balance requirements
No credit check

Become a saver! You don’t have to sacrifice what you love to save—set a Saving Goal in Spruce and use automated deposits to make it even 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 for you, then use the Watchlist feature to keep an eye on the categories that matter most. Watchlist not only helps you keep track of spending but also allows you to set monthly income goals to help you stay ahead each month.

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 is a financial technology platform built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is 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 06/07/2024. 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 FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.
# Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
^ 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.

Ratings and reviews

This app constantly gives me issues with signing in and freezing my card. I have been trying to access the app to unfreeze my card to order dinner for my wife and son for over an hour with no success. Essentially I'm cut off from my account without having to contact customer service which I don't have time to do while at work. The whole situation is frustrating. Please fix this issue immediately. I would not recommend it for these reasons. I don't find it convenient not having access to my money

WOULD NOT RECOMMEND THIS APP...EVER!!! Horrible app. Completely useless. If you transfer money from an external account to spruce you have to wait 7 business days to access the money. So the app is useless in my opinion if you have another bank account. Why would you want to Make a transfer from one account to spruce and not be able to access it for that long. When in reality you can access it right now at your other bank. Would give zero stars if that was an option.

Works well. I get my paycheck 2 days early as advertised. A nice little surprise is the simplicity of the app. Everything is self explanatory and fairly easy to find. I like how purchases are categorized and that it lets you mark purchases in categories yourself. I actually quite like it a lot. There's a couple bugs/glitches here and there but they typically fix themselves after closing and reopening the app. I quite like it for the simplicity alone. With more time, it should only get better. ❤️

What's new

Hello,
We're back again with some exciting updates from Spruce!
Stay on top of your account with our new balance notifications feature. You'll never miss any spending transactions again!
We've given the app a fresh look with updated designs to make your Spruce experience even more enjoyable.
We've also squashed some bugs and made enhancements to improve the app's performance.
Thanks for your support. Stay tuned for more coming your way!