• SPRUCE MOBILE BANKING APP

    Make the most of your money with Spruce

    Spruce is the mobile banking app built by H&R Block to help you manage your finances — all year-round, all in one place.

    Enter your email to get started with Spruce. See our Privacy Notice for how we collect and use your info.

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

  • No monthly fees

    No min. balance required

    No sign-up fees

  • Spruce mobile banking features that add up

  • Earn 3.50% APY in a savings account

  • Personalize your budget with the Watchlist

  • Get paid up to 2 days early

  • Spruce features work together to help grow your savings

    Maximize your Savings with other features like Round up and auto transfers from your Spending account.

FDIC insured

Your accounts are FDIC insured up to $250,000 through Pathward®, N.A., Member FDIC.

Learn more

  • “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.

  • SIGN UP FOR SPRUCE

    Get started with Spruce today

    Enter your email to get started with Spruce. See our Privacy Notice for how we collect and use your info.

    All dollar amounts shown are for illustrative purposes only.

Spruce FAQs

Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessible through Spruce are provided by Pathward®, N.A., Member FDIC. Spruce helps you stay in control of your money through spending and savings accounts backed by technology that provides budgeting tools, automatic saving options, and financial insights that help you be good with money. To learn more, see sprucemoney.com/features/.

Mobile banking is a service that allows customers to access their bank accounts and process banking transactions on their mobile device, such as a smartphone or tablet. Users can view account balances, transfer money, deposit checks, and locate ATMs.


The Spruce mobile banking app is a full-service financial platform that can manage your finances securely. In addition to the basic offerings of mobile banking, Spruce also has budget tracking tools and credit score insights to help you reach your financial goals.


With Spruce, you can also access your accounts by logging in online at Sprucemoney.com.

To sign up with Spruce, download the Spruce app and signup or go to https://account.sprucemoney.com/signup/.


You’ll need to provide some verification info and create a unique password to apply for Spruce. If approved, you will open and have access to your new Spending and Savings accounts and digital debit card immediately. You’ll receive your physical debit card in 7-10 business days.

Spruce is a financial technology platform built by H&R Block, which is not a bank. Banking products accessed through Spruce are provided by Pathward®, N.A., Member FDIC.

Doing your taxes with H&R Block is not a requirement to open a Spruce account, but you are always welcome to do so! Spruce is for anyone who wants to be good with money. We were built by H&R Block, but being an H&R Block client is not a requirement.

  • 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.

    Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.