• SPRUCE MOBILE BANKING APP

    Make your tax refund go further with Spruce.

    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.

    Sign up now Download the app

  • 2026 TAX TIME REFER A FRIEND

    Earn $50 per Spruce referral.

    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!

  • Features you’ll love

  • Early tax refund

    With Spruce, you can get your federal tax refund up to 5 days early.

  • High-yield rate

    Earn ![apy:savings-interest-rate]! APY on your Savings Account without minimum balance requirements.

  • Budget tracking

    Automatically categorizes your transactions.

  • Early payday

    Get paid up to 2 days early with direct deposit.

  • Explore Spruce features

  • How can Spruce help?

    Spruce is an all-in-one mobile banking app built by H&R Block to help you take control of your finances.

    Why Spruce
    Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward®, N.A., Member FDIC.
     

  • Get the Spruce mobile app

    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.

    • Get the app
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You could get a Refund Advance loan for up to $4,000 when you file by March 15. Get started