Spruce – Mobile banking

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®, 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 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® N.A. is an FDIC-insured depository institution.

^ 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.

≈ No fee to withdraw money at Allpoint® 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.