You could get your federal refund up to 5 days early, save a recommended portion of your refund, and earn ![apy:savings-interest-rate]! APY on your Savings.
If you’re a Spruce user and your friend signs up using your link before March 31, 2026, you can both get $50. Referred friend must activate physical card and receive a total of $200+ in qualifying deposits within 45 days. Up to 5 paid referrals.
If you and your friends aren’t on Spruce yet, sign up and start referring!
With Spruce, you can get your federal tax refund up to 5 days early.
Earn ![apy:savings-interest-rate]! APY on your Savings Account without minimum balance requirements.
Automatically categorizes your transactions.
Get paid up to 2 days early with direct deposit.
Spruce is an all-in-one mobile banking app built by H&R Block to help you take control of your finances.
With this platform, built by H&R Block, you can access your account anywhere, anytime for balance checks on-the-fly, finding ATMs in a flash, and so much more.
