Spruce – Mobile banking5.11.1 - App Store

Spruce is a mobile banking app that offers easy-to-use financial tools to help you manage your money. Take care of your daily finances with a Spruce Spending account while budgeting for long-term goals with a Spruce Savings account. Whatever your financial goals, the Spruce digital banking app is here to help you build a better relationship with your money.

Be sure to check out high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account.

Find convenience with your Spruce accounts where you can easily manage your finances, transfer money, and deposit checks in the app‡.

You can also enjoy these Spruce account benefits:
No sign-up fees
No monthly fees
No minimum balance requirements
No credit check

Set financial goals and save money the smart way! You don’t have to sacrifice what you love to save-set a Saving Goal in the Spruce app and use automated deposits to make it easier to reach your goal. Then, opt in to make your money work even harder for you with 3.50% APY*.

Sit back and let Spruce categorize your transactions, then use Watchlist to keep an eye on categories that matter most. Watchlist helps you keep track of spending and lets you set monthly income goals to help you stay ahead.

QUICK START TIPS
1. Download the Spruce mobile banking app.
2. Create a super secure password with at least 8 characters.
3. Sign up for your Spruce Spending and Savings accounts.
4. Explore the Spruce navigation menu:
---My Life. See a snapshot of your balances and recent transactions.
---Spending. Review your debit and deposit transactions.
---Move Money. Move money between accounts.
---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*.
---Credit. Check your credit score and learn more about improving your credit.

DISCLAIMERS

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and debit card issued by, Pathward(R), N.A., Member FDIC, pursuant to license by Mastercard(R). Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

* 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 insured by the FDIC on a pass-through basis, subject to applicable limitations, restrictions, and requirements for such FDIC pass-through insurance, when the funds are received in your account. FDIC insurance only protects when an FDIC-insured institution fails. Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward(R) N.A. is an FDIC-insured depository institution.
^ Spruce℠
± Credit score is FICO(R) 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(R) 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(R) 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.

Version History The heat is on, and so are the updates. Whether you're traveling, relaxing, or checking off a few mid-summer adventures, this release includes a handful of refinements designed to help you make the most of Spruce wherever the season takes you. We're always looking for ways to make your everyday banking app feel a little more effortless, one update at a time.

Made for summer days and everyday money moves. 5.11.1 Sep 2 The heat is on, and so are the updates. Whether you're traveling, relaxing, or checking off a few mid-summer adventures, this release includes a handful of refinements designed to help you make the most of Spruce wherever the season takes you. We're always looking for ways to make your everyday banking app feel a little more effortless, one update at a time.

Made for summer days and everyday money moves. 5.11.0 Aug 23 This month, we're celebrating freedom in more ways than one. This release includes new improvements across Spruce designed to help you stay focused on your financial goals while managing your money with confidence.

Here's to making moves that move you forward. 5.10.0 Jul 18 With summer right around the corner, Spruce is keeping things fresh. This release brings continued enhancements to help make your everyday banking app experience feel effortless.

Hello summer. Even smoother days ahead. 5.9.0 Jun 6 Fresh updates just rolled in - We made a few refinements to keep things running a little smoother, including improvements to the credit score sign-up process and other app enhancements.
A few smoother steps. A little more seamless. Thanks for growing with Spruce! 5.8.0 May 20 We've added a few fresh touches to Spruce—just for you. Improved navigation lets you make updates seamlessly in Saving Goals. Alerts take you straight to the appropriate page, and enhanced Search now produces results using any word. 5.7.0 May 1 We’ve rolled out a refreshed Spruce app with a new look and feel. It’s easy to use, with improved navigation to help you move through the app more smoothly. You can now view your Savings and Goal balances right in MyLife, so you can keep track of everything in one place. Update to the latest version to start enjoying these new features today.

Stay tuned for more updates coming your way. 5.6.0 Mar 27 Spring is here — hello, Daylight Saving Time! This release includes a few behind-the-scenes improvements to help keep things running smoothly. 5.5.1 Mar 16 Spring is here — hello, Daylight Saving Time! This release includes a few behind-the-scenes improvements to help keep things running smoothly. 5.5.0 Mar 10 You can now invite friends to join Spruce.
Invite friends by sharing your referral link or code and spread the word this tax season. When your friend opens a new Spruce account, activates their debit card, and receives at least $200 in qualifying direct deposits within 45 days, you both can earn a cash incentive deposited directly into your Spruce Spending Accounts—helping increase your financial return this tax season. 5.4.0 Feb 17 We’re starting the year off strong with the rollout out a new Refer a Friend rewards program. Eligible customers can invite friends to sign up for Spruce and earn a cash reward when the required steps are completed. Open the app to learn more and get started. 5.3.0 Jan 29 Start the new year strong! Refresh your budgets and set yourself up for the year ahead. This update includes ongoing performance and stability improvements. Access upcoming features by keeping your app up to date. 5.2.0 Jan 11 Finish the year in great financial health! This update brings performance and stability improvements. Remember to use Spruce budgeting tools to manage holiday spending and stay on track this season! 5.1.0 12/13/2025 The holiday season is here! We've made some behind-the-scenes improvements to boost performance and squash bugs, so your app runs smoothly while you focus on what matters most.
Tip: Turn on automatic updates to make sure you always have the latest features and fixes without lifting a finger.
Happy Holidays from the Spruce team! 5.0.0 11/26/2025 We've brewed up some small but meaningful improvements to make your experience even better! We've squashed a few bugs in the sign-up flow and added some behind-the-scenes magic to keep things running smoothly. We can't wait to share more treats soon! Plus, updated legal agreements go live Oct 27, effective Nov 10—watch your inbox for details starting Oct 28! 4.30.0 10/26/2025 Fall has officially arrived and so have Spruce updates! Our Saving Surge Sweepstakes now includes new ways to earn entries—like tax refunds, round-ups, and auto-transfers—and provides a helpful reminder page for users who've already enrolled. Chat has been improved with real-time queue updates, better tap targets, and refined icon placement. Finally, Message Center now supports Dark Mode, offering a more comfortable viewing experience. We'd love to hear your thoughts! 4.28.0 09/29/2025 Summer may be winding down, but we've kept things moving with a few fresh updates. You'll notice a smoother experience when verifying your card details. For those who love a tidy screen, the chat icon can now be tucked into any corner you choose. Enjoy the refreshed feel, and as always, we're listening. Keep the feedback coming! 4.27.0 08/20/2025 Summer’s here and so are a few fresh fixes to keep things running smoothly. We made some behind-the-scenes improvements to enrollment, gave the message center on iOS a small visual refresh, and updated how Custom Reports are named. Enjoy the sunshine and the smoother app experience! 4.25.1 07/21/2025 Summer’s here and so are a few fresh fixes to keep things running smoothly. We made some behind-the-scenes improvements to enrollment, gave the message center on iOS a small visual refresh, and updated how Custom Reports are named. Enjoy the sunshine and the smoother app experience! 4.25.0 07/11/2025 Hey friends! We've got more than just an update for you—it's a summer glow-up. Look out for improved auto-saving, chat enhancements, navigation fixes, and more. 

Let us know what you think by writing a review! 4.24.0 06/06/2025 Can you feel Spring in the air? The sun is shining, the birds are chirping, and we've got a sweet new feature blooming soon that we're excited to share with you. Until then, enjoy a few updates, tweaks, and bug fixes that'll help you stay in control of your money year-round. 4.23.0 05/17/2025 We're excited to share some improvements to enhance your Spruce experience! Our latest update brings smoother navigation for money transfers and the Tax Center, plus consistent notification settings across devices.

We want to know your thoughts! Let us know how we're doing any time by writing a review. 4.22.0 04/29/2025 Happy spring cleaning! In this update, we've Spruce-d up, debugged, and decluttered your favorite features. Find easier navigation from the Tax Center FAQs back to the app, clearer error messaging for your savings goals, and a clean new chat experience. 

Don't forget, tax season is soon coming to an end! Check out the Tax Center in the app, and file before April 15. 4.20.0 03/28/2025 Ready to make tax season a breeze? In this update, we're excited to introduce you to the Tax Center where you'll find easy access to resources like a W-4 calculator, refund estimator, and tax filing options with H&R Block. Not to mention a slew of other behind-the-scenes updates and fixes that'll give you a better app experience.
Tax season will be over before you know it, so update the app, check out your new Tax Center, and get filing! 4.19.0 03/12/2025 It's the month of love, and we've got heart eyes for our Spruce users! In this update, we've made some improvements and bug fixes that'll give you a smoother app (and tax season) experience. Plus, we're prepping for some cool features coming soon, so keep an eye out for future updates.
Want to show us some love? Let us know how we're doing by rating the app or writing a review. Your feedback makes our hearts happy! 4.18.1 02/15/2025