Make your money go further with Spruce


Spruce customers can now earn interest on their Savings Account! Opt in online or through the app after you sign up.


Spruce Interest Money Received

Features you’ll love

Budget tracking

Automatically categorizes your transactions.

Early tax refund

With Spruce, you can get your federal tax refund up to 6 days early.

Early payday

Get paid up to 2 days early with direct deposit.

spruce savings interest

High-yield rate

Opt in and earn 3.50% APY on your Savings Account without minimum balance requirements.

Your financial toolkit

Spruce is an all-in-one mobile banking app built by H&R Block to help you take control of your finances.

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.

Get the Spruce mobile app.

With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.

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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