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Skip to Content Spruce * Features Features * Saving goals Take the stress out of saving. * Cash back rewards Make money when you spend money. * Early payday Get paid up to two days earlier. * Free credit score * Courtesy Coverage * Tax refund recommendation * Find fee-free ATMs * About About * Security See how Spruce makes security a top priority. * FAQs * No Hidden Fees * Resources Resources * Help Center Get help with Spruce online banking services * Resource Center Discover money tips & financial resources * Spruce News See the latest news & reviews. * Saving Goal Calculator Sign in Get Started Explore Categories * Planning * Savings * Spending * Building credit * Spruce News * All categories Spruce * Planning * Savings * Spending * Building credit * Spruce News Search Search Spruce SPRUCE RESOURCE CENTER SPENDING HOLIDAY BUDGET STRESS? HOW TO SAVE MONEY DURING THE HOLIDAYS & SPEND LESS You know it’s coming: The holiday spending season is just around the corner. But if that reminder makes you and… PLANNING PROTECTING YOURSELF FROM A PHISHING ATTACK Money management tips for a brighter financial future PLAN FOR GOALS BIG AND SMALL. Want to make better progress on your money goals? Learn how to make a financial plan for life’s events and how Spruce can help you achieve more. PLANNING FINANCIAL AND MENTAL HEALTH: IT’S ALL CONNECTED. HERE’S WHERE YOU CAN GAIN CONTROL Worried that you have more bills due than money coming in? Feel anxious when you check your account balance? Not… PLANNING MONTHLY BUDGETING TIPS FOR BEGINNERS Maybe you’re newly starting out on your own, or maybe you’re just ready to get your financial ship in shape.… PLANNING WHAT TO KNOW ABOUT STUDENT LOAN FORGIVENESS — RIGHT NOW Student loan forgiveness is a hot topic, so by now you’ve probably heard about debt being erased for millions of… View all planning articles MAKE SAVINGS A SNAP. Start building up your nest egg. Get insights into how you can create a strategy that fits your lifestyle and makes saving simpler. View all saving articles SAVINGS HOW MUCH SHOULD I SAVE EACH MONTH? SAVINGS GETTING STARTED: CREATING AN EMERGENCY FUND SAVINGS MONEY SAVINGS APPS: HELP FOR BEING BETTER WITH MONEY SMART WAYS TO SPEND. Discover spending resources that can help you learn to spend money smarter and improve your budgeting habits. PLANNING COLLEGE STUDENT BUDGET TIPS College represents many firsts – including the first time living on your own, having a roommate, living out of state,… SPENDING HOW MUCH SHOULD I SPEND ON A CAR WITHOUT BUSTING MY BUDGET? While you may see clear benefit to owning a car, the price you should pay for a new set of… SPENDING MONEY MANAGEMENT TIPS FOR A BRIGHTER FINANCIAL FUTURE Managing money with guidelines in mind can seem overwhelming, even impossible. With endless to-dos, juggling your work and personal life,… View all spending articles CAN’T FIND WHAT YOU’RE LOOKING FOR? Check out the Help Center for additional support, including more FAQs, how-to guides, account troubleshooting, product assistance, and more. Visit the Spruce Help Center MORE FROM SPRUCE. Most Recent Most Popular -------------------------------------------------------------------------------- SPENDING HOW MUCH WILL A CAR LOAN DROP MY CREDIT SCORE? Buying a car is a big financial milestone for many — it means freedom from having to ask for a… PLANNING PROTECTING YOURSELF FROM A PHISHING ATTACK As information technology has evolved throughout the years, so have the scams used by fraudsters to steal funds and even… SPENDING HOW TO BUY A HOUSE WITH BAD CREDIT – IS IT POSSIBLE? Homeownership is a dream for many Americans. It can represent not just financial stability, but also a major life goal.… BUILDING CREDIT BENEFITS OF A BALANCE TRANSFER AND THE IMPACT ON YOUR CREDIT SCORE Consider this scenario: You’ve had a credit card for a few years, but you open a letter and see an… PLANNING DEPOSIT CHECKS ONLINE WITH MOBILE CHECK DEPOSIT Innovation is making daily tasks easier everywhere — and banking is no exception. In fact, an H&R Block study* showed… PLANNING ONLINE AND MOBILE BANKING 101 In the simplest terms, mobile banking offers convenience so you can take care of your banking tasks from the comfort… SAVINGS BACK-TO-SCHOOL SHOPPING TAX-FREE WEEKENDS AND 10 MORE SAVING TIPS One minute it seems like you just got in your groove, living your summer life — and the next you… SAVINGS HOW TO SAVE MONEY ON A LOW INCOME Putting aside money for savings is sound advice. But if you’re not making a lot of income, trying to save… SAVINGS PAY YOURSELF FIRST: A SMART BUDGETING APPROACH TO REACHING SAVINGS GOALS Do you have the best intentions to save money, but end the month with virtually nothing left? We get it.… BUILDING CREDIT HOW TO CHECK YOUR CREDIT SCORE WITHOUT HURTING IT Reviewing your credit is an important habit. Whether you’re planning on borrowing money for major purchases like a car or… PLANNING HOW TO BUDGET FOR AN APARTMENT: DETERMINING HOW MUCH RENT YOU CAN AFFORD Striking out on your own for the first time? Or maybe you’re moving to a new town? No matter the… PLANNING FAMILY FINANCIAL PLANNING: STEPS TO GET YOUR HOUSEHOLD FINANCES ON TRACK Managing your own finances can be tough enough. Pile on the finances of your whole household and things can get… SPENDING HOW MUCH DOES A WEDDING COST? Are you recently engaged and hear a faint ringing in your head? Is that church bells chiming or a cash… PLANNING HOW TO CREATE A BUDGET You’ve heard it before — a budget is a crucial step on the path to financial stability. But what does… BUILDING CREDIT WHAT IS A GOOD CREDIT SCORE? Your credit score is based on your credit history and your ability to pay your debts on time. Good credit… PLANNING WHAT DOES APR MEAN? APR means Annual Percentage Rate. It’s a common acronym you’ll hear related to borrowing money. In simple terms, you can think of APR as the… BUILDING CREDIT HOW TO START BUILDING CREDIT — OR REBUILD IT — WITH CONFIDENCE Building credit may seem like a huge hurdle if you’re trying to gain financial stability. It’s a tricky topic. That’s… SAVINGS MONEY SAVING TIPS: 9 WAYS TO TAKE CHARGE OF YOUR FINANCES While saving money might not be as fun as spending it, learning money saving tips can empower you to take… Load more PLANNING DEPOSIT CHECKS ONLINE WITH MOBILE CHECK DEPOSIT Innovation is making daily tasks easier everywhere — and banking is no exception. In fact, an H&R Block study* showed… PLANNING HOW TO CREATE A BUDGET You’ve heard it before — a budget is a crucial step on the path to financial stability. But what does… BUILDING CREDIT HOW TO START BUILDING CREDIT — OR REBUILD IT — WITH CONFIDENCE Building credit may seem like a huge hurdle if you’re trying to gain financial stability. It’s a tricky topic. That’s… PLANNING WHAT DOES APR MEAN? APR means Annual Percentage Rate. It’s a common acronym you’ll hear related to borrowing money. In simple terms, you can think of APR as the… PLANNING HOW TO BUDGET FOR AN APARTMENT: DETERMINING HOW MUCH RENT YOU CAN AFFORD Striking out on your own for the first time? Or maybe you’re moving to a new town? No matter the… SPENDING HOW MUCH DOES A WEDDING COST? Are you recently engaged and hear a faint ringing in your head? Is that church bells chiming or a cash… SAVINGS MONEY SAVING TIPS: 9 WAYS TO TAKE CHARGE OF YOUR FINANCES While saving money might not be as fun as spending it, learning money saving tips can empower you to take… BUILDING CREDIT WHAT IS A GOOD CREDIT SCORE? Your credit score is based on your credit history and your ability to pay your debts on time. Good credit… BUILDING CREDIT HOW TO CHECK YOUR CREDIT SCORE WITHOUT HURTING IT Reviewing your credit is an important habit. Whether you’re planning on borrowing money for major purchases like a car or… SAVINGS BACK-TO-SCHOOL SHOPPING TAX-FREE WEEKENDS AND 10 MORE SAVING TIPS One minute it seems like you just got in your groove, living your summer life — and the next you… PLANNING FAMILY FINANCIAL PLANNING: STEPS TO GET YOUR HOUSEHOLD FINANCES ON TRACK Managing your own finances can be tough enough. Pile on the finances of your whole household and things can get… SAVINGS PAY YOURSELF FIRST: A SMART BUDGETING APPROACH TO REACHING SAVINGS GOALS Do you have the best intentions to save money, but end the month with virtually nothing left? We get it.… SAVINGS HOW TO SAVE MONEY ON A LOW INCOME Putting aside money for savings is sound advice. But if you’re not making a lot of income, trying to save… PLANNING ONLINE AND MOBILE BANKING 101 In the simplest terms, mobile banking offers convenience so you can take care of your banking tasks from the comfort… BUILDING CREDIT BENEFITS OF A BALANCE TRANSFER AND THE IMPACT ON YOUR CREDIT SCORE Consider this scenario: You’ve had a credit card for a few years, but you open a letter and see an… SPENDING HOW TO BUY A HOUSE WITH BAD CREDIT – IS IT POSSIBLE? Homeownership is a dream for many Americans. It can represent not just financial stability, but also a major life goal.… PLANNING PROTECTING YOURSELF FROM A PHISHING ATTACK As information technology has evolved throughout the years, so have the scams used by fraudsters to steal funds and even… SPENDING HOW MUCH WILL A CAR LOAN DROP MY CREDIT SCORE? Buying a car is a big financial milestone for many — it means freedom from having to ask for a… GET BETTER WITH MONEY. Spruce is mobile banking to help you set saving goals, earn cash back offers,Disclaimer number1. Go to disclaimer for more details. and get paychecks up to two days early.Disclaimer number2. Go to disclaimer for more details. Get a $20 bonus when you sign up and receive your first direct deposit. See offer details. Get started Spruce℠ is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by Pathward, N.A., Member FDIC. 1. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details. 2. Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. The Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 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