Skip to content
Spruce money built by H&R Block logo
  • Features
  • Spending
  • Saving
  • Tools & Resources
  •  Help
  •  Help
  • Get started
  • Sign in
Explore all features
High-yield savings

Earn money while you save.

Budget tracking

Easily track your spending.

No monthly fees

Enjoy fee transparency.

More features

Early payday
Early tax return
Savings goals
Courtesy coverage
Free credit score
Get the Spruce app
  • We take security seriously

    Learn more
Resource Center
Find an ATM
Saving goal calculator
Saving interest calculator

Articles

Visit the Resource Center
Planning
Savings
Spending
Building credit

About Spruce

Why Spruce
No hidden fees
Security
Spruce mobile app
Get the Spruce app
Help Center
How do I reach customer services?
How do I add cash to my account?
How do I activate my card?
Cannot search now, please try again later.
Get the Spruce app
Spruce money built by H&R Block logo

    Sign in

    Need cash? No problem.

    Get access to thousands of fee-free ATMs near you to withdraw money on the go.

    Get better with money. Get Spruce.

    Get started
    Please configure the Disclaimer-component or create initial content

    Need support?

    1-855-977-7823

    Features

    • Spruce features
    • High-yield savings
    • Early payday
    • Saving goals
    • Free Credit Score
    • Courtesy Coverage
    • Smart tax refund
    • Budgeting with the Watchlist

    About Spruce

    • Find fee-free ATMs
    • What is Spruce
    • No hidden fees
    • Spruce mobile app
    • Security
    • Careers Opens a new window.

    Accounts

    • Spending account
    • Savings account

    Resources

    • Help Center
    • Resource Center articles
    • Spruce News
    • Saving Goal Calculator

    Legal

    • Terms
    • Privacy Notice
    • Pathward Privacy Notice Opens a new window.
    • Disclosures and Agreements

    Copyright ![text:copyright-year-range]! HRB Digital LLC. All Rights Reserved.
    Bank products and services are offered by Pathward®, N.A.
    All deposit accounts through Pathward® are FDIC insured.

    • Twitter
    • Facebook
    • Instagram
    TRUSTe Your Privacy Choices