Spruce

Spruce is a financial technology platform launched and owned by H&R Block. It offers mobile-first banking services, including a spending account with a debit card and a savings account, with the goal of making financial management more accessible. The platform provides features like automatic savings, cashback rewards at select retailers, and early paycheck access. While Spruce is the consumer-facing brand, the actual banking products and services are provided through a partnership with Pathward®, N.A., Member FDIC. Spruce aims to serve a broad U.S. consumer base, integrating with H&R Block's tax services to provide a seamless financial experience.