Managing your finances can feel complicated, but Spruce Money offers a straightforward mobile banking solution designed to help you take control. This user-friendly app provides the tools you need to handle your daily spending and plan for your long-term financial goals, all from the convenience of your smartphone. Whether you’re aiming to save for a down payment, manage your monthly budget, or simply gain better visibility into your financial health, Spruce Money is equipped to support you in building a stronger relationship with your money.
Spruce Money provides two key accounts to streamline your financial life: a Spending account for everyday transactions and a Savings account to help you grow your funds. With Spruce, you can easily manage these accounts, transfer money between them, and even deposit checks directly within the app‡, putting all essential banking functions at your fingertips.
One of the most attractive features of Spruce Money is the opportunity to grow your savings faster. By opting in, you can earn a competitive 3.50% Annual Percentage Yield (APY)* on your Spruce Savings account. This high-yield savings option allows your money to work harder for you, accelerating your progress towards your financial objectives.
Beyond the core banking features, Spruce Money is packed with benefits designed to make financial management easier and more accessible. You can enjoy:
- No sign-up fees: Get started without any upfront costs.
- No monthly fees: Maintain your accounts without worrying about recurring charges.
- No minimum balance requirements: Manage your money without the pressure of maintaining a specific balance.
- No credit check: Access these financial tools regardless of your credit history.
Spruce Money also empowers you to set personalized Saving Goals, making the process of saving more targeted and effective. You can automate deposits towards these goals, removing the manual effort and making saving a seamless part of your routine. By setting clear objectives and automating your savings, Spruce Money helps you save smarter and reach your targets faster.
To further simplify your financial overview, Spruce Money automatically categorizes your transactions. The Watchlist feature then allows you to monitor spending in your most important categories and set monthly income goals. This proactive approach helps you stay informed about your spending habits and maintain control over your financial progress.
Ready to simplify your finances? Getting started with Spruce Money is quick and easy:
- Download the Spruce mobile banking app.
- Create a secure password with at least 8 characters to protect your account.
- Sign up for your Spruce Spending and Savings accounts directly through the app.
- Explore the Spruce navigation menu to discover the range of features:
- My Life: Get a snapshot of your account balances and recent transactions.
- Spending: Review your debit card transactions and deposits.
- Move Money: Transfer funds effortlessly between your Spruce accounts.
- Saving: Create Saving Goals, activate Round Ups, and opt in for the 3.50% APY*.
- Credit: Check your credit score and access resources to help improve it^.
Spruce Money, built by H&R Block, provides a robust and user-friendly platform to manage your finances effectively. Open your Spruce℠ Spending and Savings Accounts today, established at Pathward®, N.A., Member FDIC, and take the first step towards a more organized and empowered financial future.
* The Annual Percentage Yield (APY) is accurate as of 1/23/2025. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com. ∞ Funds are FDIC insured through Pathward N.A., Member FDIC, subject to applicable limitations and restrictions, when the funds are received in your account.
^ Spruce℠± Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A.~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.≠ Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.≈ No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.‡ Mobile check deposit is available after you have deposited at least $200 in the past year and your accounts have been open for 30 days.
