Spruce – Mobile banking 4+

Be good with money‪.‬

HRB Tax Group, Inc.

    • 3.4 • 111 Ratings
    • Free



For people who want to be good with money. Spruce is a mobile banking platform built by H&R Block, with banking products provided by MetaBank.

Spruce has no monthly fees, no sign-up fees, no overdraft fees up to $20, and access to thousands of fee-free ATMs nationwide.* - §

Emergency fund? Summer vacation? Set personalized savings goals, start adding money, and track your progress.^

Get cash back at select retailers. Use those rewards to help achieve your savings goals.#

Enroll in direct deposit to access your paycheck sooner.≠

Understand what makes up your credit score, how different factors impact it, and how it’s used.±

Our Courtesy Coverage provides up to $20 in overdraft protection with qualifying direct deposit.-


Spruce is a financial technology platform built by H&R Block, which is not a bank. SpruceSMSpending 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.

* Other fees apply for certain uses of your Spruce debit card and accounts. See www.SpruceMoney.com/fees for details.

# 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.

≠ Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, you must receive $200 in direct deposits a month, not including tax refunds.

^ The Spruce SM Savings Account is established by MetaBank, N.A., Member FDIC.

± 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 MetaBank®, N.A.

~ Early access to federal refunds depends on the timing of the IRS’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which in the case of federal tax refunds may be up to 5 days earlier than the scheduled payment date. Early access requires deposit of federal refund directly into your Spruce Spending Account, and is not available if you choose a Refund Transfer or other account to first receive your refund. Not available for state refunds. This program may be changed or discontinued at any time.

- Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.

§ There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.

What’s New

Version 2.8.0

Helping you get better with money means we’re always working to give you the best mobile banking experience. Thanks to your feedback, this release includes:
• New in-app chat feature—Tap the chat icon to get help from a Spruce virtual assistant
• Improved notifications for Courtesy Coverage—fee-free overdraft protection
• Location accuracy for ATM and Add Cash locator
• Synchronized transactions between the MyLife and Spending tabs
• Simplified sign-up and login experiences
• Bug fixes

Ratings and Reviews

3.4 out of 5
111 Ratings

111 Ratings

BaileyJean2015 ,


I like having the bank account on the side and I’ve been using it since it launched and it has been okay. But it doesn’t like to load half the time and the customer service won’t do anything to be able to help.

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 so we can investigate this issue further and work on getting it fixed. Thank you!

Navyman21 ,


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.

Amelia__123 ,

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.

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

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