Spruce Bonus and Incentive Agreement

Spruce Rewards currently not available.

Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.

Funds are insured by the FDIC on a pass-through basis, subject to applicable limitations, restrictions, and requirements for such FDIC pass-through insurance, when the funds are received in your account. FDIC insurance only protects when an FDIC-insured institution fails. Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward® N.A. is an FDIC-insured depository institution.

No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.

Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.

Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.

Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.

Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions using your Card is $0 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard. Please see the Spruce Spending Account Agreement for additional terms and restrictions that may apply.

Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.

Offer from Spruce. To qualify for the Root & Reward Refer a Friend Referral Campaign reward, eligible Spruce customers must refer eligible friends who complete the following: 1) referred person opens new Spruce Accounts between April 16, 2026 and May 31, 2026 using a valid and unexpired referral link; and 2) within 45 days of account signup referred person receives $200 in qualifying direct deposits and activates their physical Spruce debit card. Qualifying direct deposits are only ACH credits from an employer or government benefits (but not tax refunds). Not available for residents of Washington state. The $50 reward amount will be deposited into your Spruce Spending Account within 7 business days after all requirements are completed. May be modified or discontinued at any time. Referrers acknowledge that by referring a friend through the Root & Reward Refer a Friend Referral Campaign, they are releasing non-public information, and referred people acknowledge that signing up for Spruce Accounts using a referral link will result in sharing information with the referrer, including knowledge the referred person opened Spruce Accounts. Other limitations and terms apply. For full details, see the Spruce Referral Bonus and Incentive Terms available in the referral dashboard or on the landing page after clicking on a valid referral link.

This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).

The Annual Percentage Yield (APY) is accurate as of 08/25/2026. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.

Standard data charges may apply. Apple Pay is a registered trademark of Apple Inc. Google Pay is a registered trademark of Google LLC.

Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 9/1/26 and 9/30/26; and 2) receiving $500 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are only ACH credits from an employer or government benefits (but not tax refunds). Any other deposits do not qualify, including but not limited to, other ACH credits, mobile check deposits, internal transfers, transfers within Spruce from external accounts, peer payments or transfers, or cash transfers. $100 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. Cannot be combined with any other offer, including any Referral Incentive Campaign. May be modified or discontinued at any time. For full bonus terms, click here.

Refund Advance loan: This is an optional tax refund-related loan from Pathward®, N.A.; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1,250 or $4,000. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be disbursed as directed to a prepaid card or checking account at Pathward. The loan amount will be deducted from your tax refund, and any remaining balance will be sent to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer at participating locations. H&R Block Maine License No. FRA2. OBTP#13696-BR.

Spruce Kickstart Bonus Agreement