Spruce - Mobile banking

Editor's Review

Spruce is a user-friendly mobile banking app designed to help you manage your money effectively. 📱💰 Whether you're looking to handle your daily finances or save for long-term goals, Spruce offers a range of tools to support your financial journey. With a Spruce Spending account and a Spruce Savings account, you can easily manage your funds and budget for the future.

One of the standout features of Spruce is the high-yield savings option. By opting in, you can earn 3.50% APY* on your Spruce Savings account, helping your money grow faster. 🌱💸 This competitive rate makes Spruce an attractive choice for those looking to maximize their savings.

Spruce provides convenience at your fingertips, allowing you to manage your finances, transfer money, and deposit checks directly within the app. 🏦✅ You'll also enjoy benefits like no sign-up fees, no monthly fees, and no minimum balance requirements, making it accessible for everyone. Plus, there's no credit check required to get started!

Saving money is made easy with Spruce's Saving Goals feature. Set your financial targets and use automated deposits to reach your goals effortlessly. 🎯📅 The app also categorizes your transactions, and the Watchlist feature helps you monitor spending and set income goals, keeping you on track. 📊📈

Getting started with Spruce is simple: download the app, create a secure password, sign up for your Spending and Savings accounts, and explore the navigation menu. You can view your balances, review transactions, move money, create Saving Goals, and even check your credit score. 🧭

Spruce is built by H&R Block and uses Pathward, N.A., Member FDIC, to establish accounts and issue debit cards, ensuring your funds are secure. 🛡️💸 Take advantage of Spruce's features and start building a better relationship with your money today! 🌟

Features

• Spending and Savings accounts

• High-yield savings option

• Easy money transfers

• Mobile check deposit

• Automated Saving Goals

• Transaction categorization

• Watchlist for spending tracking

• Credit score monitoring

Pros

• No sign-up fees or monthly fees

• No minimum balance requirements

• No credit check required

• High-yield savings with 3.50% APY

• Automated Saving Goals feature

• FDIC insured funds for security

Cons

• Mobile check deposit restrictions apply

• ATM fees at non-Allpoint ATMs