2026 TAX TIME REFER A FRIEND

Earn $50 per Spruce referral.

When Spruce users refer a friend, you can both earn $50. Friend must sign up using referral link before March 31, 2026, activate physical card, and receive a total of $200+ in qualifying deposits within 45 days. Up to 5 paid referrals.

Already a Spruce user? Log in to share your link!
Not on Spruce yet? Have a friend send you their link!
No friends on Spruce yet? Sign up and start sharing your link!

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Mobile banking app features you’ll love

two days early calendar illustration

Get paid up to
2 days early

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Personalize your
budget Watchlist

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Access your money
with the Spruce app

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Earn ![apy:savings-interest-rate]! APY in a
savings account

two days early calendar illustration

Get paid up to 2 days early

magnifying glass illustration

Personalize your budget Watchlist

spruce phone illustration

Access your money with the Spruce app

percent sign illustration

Earn ![apy:savings-interest-rate]! APY in a savings account

Explore all features

No monthly fees

No min. balance required

No sign-up fees

  • No monthly fees

  • No min. balance required

  • No sign-up fees
happy man using the Spruce app on his phone happy man using the Spruce app on his phone happy man using the Spruce app on his phone

“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.

“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

  • Your deposits are FDIC insured. This means your accounts are insured by the Federal Deposit Insurance Corporation up to $250,000 — the maximum amount permitted by law.

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

  • 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.