Spruce – Mobile banking 4+
Be good with money.
HRB Tax Group, Inc.
-
- Free
Screenshots
Description
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC
Spruce is a mobile banking app for people who want to be better with money. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.
Here's how Spruce can help you be good with money:
- No sign-up fees, no monthly fees, no credit check, and no minimum balance required.
- Get your Federal Refund Early! Receive your federal refund up to 5 days early with Spruce. *
- You're Protected With Courtesy Coverage. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. ~
- Personalized Saving Goals. You can customize goals, start saving, and begin tracking your progress.
- Round Up. Pay yourself when you spend and round up to the nearest dollar.
- Cash Back. Earn cash back when you spend at select retailers. #
- Direct Deposit. Get your paycheck up to 2 days early with direct deposit. ≠
- Credit Score. Stay on top of your score, get score insights, and better understand your credit score. ±
Legal Disclaimers
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
# Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
± 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.
^ Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS's payment file. Available only for federal refunds. May be changed or discontinued at any time.
~ 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.
* Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. May be modified or discontinued at any time.
What’s New
Version 3.11.0
Welcome back,
In this update, we've improved the look and feel for transferring money, and made it easier to transfer completed Saving Goals to another account. We've also made updates for onboarding, improving the biometric feature and input fields for address validation. Additionally, we've completed bug fixes and made preparations for additional app functionality to be released in the future.
Let’s keep working together to achieve financial wellness!
Ratings and Reviews
New bug fix created new bugs and still more bugs 🐜
I didn’t have ANY problems until newest update. NOW EVERY time I time I try to sign into the Spruce app it freezes up and I have to go to the App Store to just to get it to open. But then it goes right through. What’s up with that guys? Kinda annoying.🤦🏼♀️ I’m STILL having trouble with the SAME issue…and here it is 3 weeks later after my initial review. I am updating my review as of April 25, 2023 now!!! More than KINDA annoying now!!! Thank you. Update: here it is again a week later and I am still having the same issue?!?! I can’t sign in until I go find in the App Store first…this is getting kinda ridiculous ya think 💭. It was quite fine before the last update!
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!
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
- 270.9 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.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2016-2023 HRB Digital LLC. All rights reserved.
- Price
- Free
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