Spruce is revolutionizing personal finance with its innovative mobile banking app, designed to put you in control of your financial journey. Whether you’re managing daily expenses or planning for long-term aspirations, Spruce provides intuitive and powerful tools right at your fingertips. With a seamless Spruce Spending account for everyday transactions and a dedicated Spruce Savings account to help you reach your financial goals, this digital banking app is your partner in building a healthier relationship with your money.
Unlock the potential of your savings with Spruce! Opt in to take advantage of a competitive 3.50% Annual Percentage Yield (APY)* on your Spruce Savings account and watch your money grow faster.
Convenience is key with Spruce Banking. Effortlessly manage your accounts, transfer funds with ease, and deposit checks directly within the app‡, all from the palm of your hand.
Enjoy a host of benefits with Spruce accounts, designed to make banking simple and accessible:
- No sign-up fees to get started
- No monthly maintenance fees to worry about
- No minimum balance requirements to maintain
- No credit check required to open an account
Take a proactive approach to your financial future and save money the smart way with Spruce. You don’t have to compromise on the things you love to achieve your savings goals. Simply set a Saving Goal within the Spruce app and utilize automated deposits to streamline your progress. Then, amplify your savings by opting in to earn a high-yield 3.50% APY*, making your money work harder for you.
Let Spruce take the hassle out of expense tracking. The app automatically categorizes your transactions, providing clear insights into your spending habits. Utilize the Watchlist feature to monitor specific spending categories that matter most to you. Watchlist empowers you to stay informed about your expenditures and allows you to set monthly income goals, helping you stay ahead of your finances and maintain control.
QUICK START GUIDE
Ready to experience the benefits of Spruce banking? Getting started is easy:
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Download the Spruce mobile banking app from your app store.
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Create a strong and secure password, ensuring it’s at least 8 characters long.
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Sign up for your Spruce Spending and Savings accounts directly through the app.
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Familiarize yourself with the Spruce navigation menu to explore its features:
- My Life: Get a comprehensive overview of your account balances and recent transaction activity.
- Spending: Review your debit card transactions and deposit history in detail.
- Move Money: Transfer funds seamlessly between your Spruce accounts and external accounts.
- Saving: Establish Saving Goals, activate Round Ups to boost your savings automatically, and opt in to earn 3.50% APY*.
- Credit: Access your credit score and gain valuable insights into improving your credit health.
DISCLAIMERS
The Spruce fintech platform is expertly built by H&R Block, a trusted name in financial services, and operates independently as a technology platform and is not a bank. Spruce℠ Spending and Savings Accounts are securely established at, and the Spruce debit card is issued by, Pathward®, N.A., Member FDIC, under a license from Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
* The Annual Percentage Yield (APY) of 3.50% is accurate as of January 23, 2025. Please note that this rate is variable and subject to change without prior notice. Fees may potentially reduce earnings. To begin earning interest on your Spruce Savings Account, simply opt in conveniently through the Spruce app or at sprucemoney.com. ∞ Your funds are FDIC insured through Pathward N.A., Member FDIC, up to applicable limitations and restrictions, once the funds are received and deposited into your account.
