Get better with money. Get Spruce.

Spruce is mobile banking to help you set saving goals, earn cash back offers, and get paychecks up to two days early. Get a $20 bonus when you receive qualifying direct deposits. See offer details

No hidden fees. No monthly fees. No signup fees.

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

Make saving a snap.

Use your tax refund to jumpstart your saving goals or put money away for an emergency fund.

Set money milestones and track your progress. 

Automatic cash back rewards.

Get cash back at thousands of places when you shop, dine or book hotels.

Use cash back to help meet your saving goals. 

Banking products and services are provided by MetaBank®, N.A., Member FDIC.

Spruce* Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

  1. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
  2. Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date.