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About the application:

For people who wish to be awesome with cash. Spruce is a mobile banking platform built by H&R Block, with banking products provided by MetaBank. Spruce has no hidden fees, no monthly fees, no sign-up fees, no overdraft fees up to $20, and access to thousands of fee-free ATMs nationwide.* § - Personalized savings goals. Emergency fund? Summer vacation? Set personalized savings goals, begin adding cash, and track your progress.^ Automatic money back rewards. Get money back at choose retailers. Use those rewards to assist achieve your savings goals.# Get paid up to two days early. Enroll in direct deposit to access your paycheck sooner.≠ Free credit score. Understand what makes up your credit score, how various factors impact it, and how it’s used.± No-fee overdraft up to $20. Our Courtesy Coverage provides up to $20 in overdraft safety with qualifying direct deposit.- Disclaimers *Fees apply for money withdrawals at an out-of-network ATM or over-the-counter, check orders, and express card delivery. Another third-party fees may apply. See www.SpruceMoney.com/fees for details. §There is no fee to withdraw cash at Allpoint® ATMs. There is a $3 fee at another ATMs, plus any extra fee charged by the ATM operator. #Spruce Rewards are powered by Dosh. Money back offers and amounts may vary by player, merchant place and offer period. Check the Spruce apk for offer availability. Money back earned by qualifying purchases will be deposited in your Spruce Savings Acc. See Spruce Rewards powered by Dosh Terms for details. ≠Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally created accessible to you 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 keep $200 in direct deposits a month, not including tax refunds ^The Spruce SM Savings Acc is established by MetaBank, N.A., Member FDIC. ±Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a various FICO Score than FICO Score 8, or other kind of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by MetaBank®, N.A. -Courtesy Coverage is only accessible for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. To be eligible, you must keep $200 in qualifying deposits over the relevant 35-day time period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Acc Agreement for details. Spruce is a financial technology platform built by H&R Block, which is not a bank. SpruceSM Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.