• SPENDING ACCOUNT

    Get a spending account with no monthly fees.

    Take control of your money with a Spruce Spending account and take advantage of no monthly fees, sign up fees, or minimum balance requirements.

    Get started Fee transparency
  • No monthly fees with Spruce
  • Spruce Watchlist

  • Budget tracking on your terms with Spruce.

    The Spruce mobile banking app automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist.

    See budget tracking

  • CLEAN UP YOUR FINANCIAL LIFE

    Streamline and simplify recurring payments

    Pay bills and subscriptions with your Spruce account. Update your info to make Spruce the preferred payment method.

    Learn more
  • mobile wallet with the spruce debit card

    Get instant access to your digital debit card

    Add your Spruce digital debit card to to your mobile wallet so you can shop online, provide payment over the phone, or pay in person at a store that accepts digital wallet payments.

    You could use this feature as soon as you sign up for Spruce and fund your account. You do not need to wait for your physical debit card.

  • couple looking at the phone

    Set up direct deposit

    Set up direct deposit and get paid up to 2 days early. 

    Explore early payday

  • Want to learn more?

    Visit the resource center for money tips and financial knowledge.

  • SPUCE MOBILE BANKING APP

    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. Bank products by Pathward®, N.A., Member FDIC.

    • Get the app

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

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