Most people don't think much about their bank account until it costs them something:

A surprise overdraft fee, a monthly maintenance charge, a minimum balance they didn't keep.

For a growing number of Americans, that quiet frustration is exactly why they're switching to Spruce, an innovative mobile banking app* built by H&R Block that's designed to help people be money-smart.

Spruce doesn't nickel and dime you, because they know that nickels and dimes add up.

>> Try it out here.

Plus, from NOW until September 30 only, new Spruce customers can earn $100 just for signing up.

Want to know how to score $100, and an easier way to save, right from your phone? Keep reading to learn more.

Most people have grown used to banks charging them for the privilege of holding their own money.

Banking should work in your favor, not against it.*

Spruce was designed with a simple premise:

• No monthly fees
  
• No minimum balance
  
• No sign-up fees

Whether you’re getting your first paycheck or making your side hustle official, Spruce keeps it simple and transparent, so you can focus on what matters.

Spruce users benefit from savings and spending accounts, and the spending account can receive electronic deposits from transfers, direct deposit, mobile check deposit, and even cash deposits at select retail locations .

This service was built with you in mind and wants to support you on your financial journey.

>> Get the whole picture here.

Why is Spruce a savings account that actually earns?

While many traditional checking and savings accounts pay next to nothing in interest, Spruce's savings account currently earns 3.50% APY.**

Spruce's High Yield Savings Account lets you earn 3.50% APY. That’s 8 times the national average.

What that means:

• No minimum balance required
  
• No complicated qualification tiers

Whether you're building an emergency fund or saving for something big, Spruce makes it simple to grow your savings.

According to user reviews, Spruce is transparent, accessible, and makes your money work for you without having to think about it or move money around.

>> Let your spare change grow with Spruce.

NOW FOR A LIMITED TIME, new Spruce customers can earn $100 just for signing up and receiving $500 in qualifying direct deposits.

Get in on the benefits with these quick steps:

• Open a Spruce account
  
  
• Receive a qualifying direct deposits totaling $500 or more within 45 days
  
  
• Receive the $100 bonus in your Spruce account

This offer is available from September 1st until September 30, 2026.

>> Take advantage of this offer while it lasts.

Spruce offers everyday tools that most apps charge extra for.

Another of Spruce's major perks is that it includes a FICO credit score with detailed insights into what's shaping it.

This means you don't have to be in the dark about your credit score, or get charged to figure it out.

Other great features from Spruce:

• Access to more than 55,000 fee-free ATMs nationwide
  
  
• Mobile check deposit capabilites
  
  
• A budgeting tool called Watchlist that helps users easily track their spending patterns

The Spruce mobile banking app helps people get a clear picture of their spending and saving patterns and offers tools to help customers reach goals.

>> Be the master of your money with the help of Spruce.

One of the features that sets Spruce apart from other banking apps is their early direct deposit feature.***

Set up direct deposit through the app, and eligible users can get their paycheck up to two days before its scheduled date.

For anyone living paycheck to paycheck, two days can make all the difference.

Spruce gets that, and has figured out how to help.

>> Get going here.

Refund season, without the wait.

During tax season, Spruce offers another edge: Eligible users can receive their federal tax refund up to five days earlier than they otherwise would, once the IRS releases the payment file.***

For a platform built by the company behind H&R Block, that early-refund feature is a natural extension of what H&R Block has done for decades, just faster, and built into a bank account instead of a tax appointment.

Years of experience in the world of taxes means you're in good hands.

>> Find more info here.

Spruce is your helping hand for quality-assured online banking.*

And none of this requires being an H&R Block client.

Spruce is open to anyone, and setup takes only two lighting-fast steps:

• Enter a valid email address
  
  
• Verify your identity

Eligible users get instant access to a digital debit card. The physical card arrives by mail in 7–10 business days.

The Spruce debit card features a sleek design and can be used to make purchases anywhere Mastercard is accepted.

Don't settle for the same old banking fees and confusing financial platforms.

Spruce is for everyone who is looking for a service that provides clarity. No monthly fees, no sign-up fee, and all kinds of ways to support your savings.

>> Get saving today!