Spruce – Mobile banking 4+
Spruce up your financial life
HRB Tax Group, Inc.
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- Free
Screenshots
Description
Spruce is a mobile banking app that offers 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 Savings account. Whatever your financial goals, Spruce is here to help you build a better relationship with your money.
Be sure to check out our latest feature: high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account today.
With your very own Spruce accounts, you can also enjoy:
No sign-up fees
No monthly fees
No minimum balance requirements
No credit check
Become a saver! You don’t have to sacrifice what you love to save—set a Saving Goal in Spruce and use automated deposits to make it even 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 for you, then use the Watchlist feature to keep an eye on the categories that matter most. Watchlist not only helps you keep track of spending but also allows you to set monthly income goals to help you stay ahead each month.
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 is a financial technology platform built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
* The Annual Percentage Yield (APY) is accurate as of 09/23/2024. 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, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.
# 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.
^ 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.
What’s New
Version 4.13.0
As the leaves turn, Spruce is evolving too! This update brings a fresh breeze of new features and improvements.
This release includes a new feature to help you move your subscriptions and payments over to Spruce. We've also made backend improvements for a smoother experience.
After updating, why not check in on your credit score to help you harvest the best from your finances all year round?
Ratings and Reviews
Great app, Recommended for direct deposits.
I recently signed up for the spruce account because I file my taxes with H&R Block every single year. I decided “why not” and filed my taxes to get my direct deposit into my new spruce account. I was a little nervous because it’s a new platform but I wanted to find a faster way to get my tax refund. Signing up for Spruce was easy, learning my way around the app was quite easy as well. My only real complaint is there isn’t a specific section to see my “pending deposits” they kind of just show up (unless I haven’t found where to see that information yet). The best part is my tax return wasn’t suppose to be direct deposited until 02/22, however it came EARLY!! Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! I’d recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;.
Developer Response ,
Thanks for your review! We appreciate it — and you — for being a part of the Spruce community. And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months.
This company is terrible
Update: HRBlock called me finally and kinda fixed the situation but not entirely. I was at least able to get access to the money to pull it all off. They had to activate the card themselves and set the pin number so they had my pin and all my info. Not safe, not secure and no one can really help you. You have to wait 5 days for someone to reach out to you but I told them I’d contact my attorney for holding funds hostage and they called right away. This card and service is downright awful. Don’t do it
I never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. No one can help me or give me information. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. They tell me they can see the account and all my info matches but I have no access to my money. I would run from these people. If you haven’t gotten a card from them, they want the card info before sending you another card! HOW WHEN I NEVER GOT IT!!! Never even asked for this and here I am with no insight on when I’ll be able to access the money. They’ll close the account but it’ll take longer than 5 business days to process the closure and send a check. They’re ridiculous and customer service is awful.
Developer Response ,
Thanks for your feedback! We’re sorry for the issue you encountered with Spruce, and we’d like to help. Please drop us a line at solutions@sprucemoney.com or call us at 1-855-977-7823 so we can investigate this issue further and work on getting it fixed. Thank you!
DISTURBING !!!
So I’m a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank…. BIG MISTAKE !!! I downloaded the app and applied for account. Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! This means their mobile app does NOT sync with your phone or know who you are !!! This is a HUGE security risk and the first red flag !! Once you’re in the mobile app, if you try clicking on “security notifications” to choose how you’d like your security set up, it doesn’t do anything ? It does nothing !! It’s like it’s disabled ?? 2nd red flag !! It gets worse from there….. I called their toll free number to close down my account since there’s NO WAY I’m going to trust this company or banking app with my info, let alone my money, and SURPRISE !! I get a call center in a foreign country….. Philippines !! Umm…. how about NO !! And the lady I spoke with, didn’t even have the ability to close down my account ?!?! Seriously ?? Is this a joke ?? She told me she would have to submit a request to their “back office” to close my account and that basically I MIGHT get an email confirming closure, whenever they get around to it ?? DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! You’ve been warned !!
Developer Response ,
We’re sorry to hear about the poor customer service experience you had and we’d like to help! Please drop us a line at solutions@sprucemoney.com so we can take a closer look at the issue and respond to you directly.
App Privacy
The developer, HRB Tax Group, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- HRB Tax Group, Inc.
- Size
- 253.7 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 13.0 or later.
- iPad
- Requires iPadOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2016-2024 HRB Digital LLC. All rights reserved.
- Price
- Free
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