Maximize Your Savings with Spruce: Earn 3.50% APY and Enjoy Financial Freedom

In today's fast-paced world, managing your finances efficiently is crucial. With Spruce, you can take control of your financial future while enjoying the benefits of a high-yield savings account. By opting in to earn 3.50% APY on your Spruce Savings account, you can watch your money grow effortlessly.

Convenience at Your Fingertips

Spruce offers a user-friendly mobile banking app that simplifies your financial management. With just a few taps, you can:

• Transfer money between accounts
• Deposit checks directly through the app
• Monitor your spending and savings

Experience the ease of managing your finances with Spruce, where convenience meets functionality.

Unmatched Benefits of Spruce Accounts

When you choose Spruce, you gain access to a range of benefits that make banking hassle-free:

• No sign-up fees
• No monthly maintenance fees
• No minimum balance requirements
• No credit checks

These features ensure that you can focus on what truly matters—growing your savings without unnecessary costs.

Set and Achieve Your Financial Goals

Saving money doesn't have to mean sacrificing your lifestyle. With Spruce, you can set personalized Saving Goals within the app. Utilize automated deposits to help you reach your targets effortlessly. By opting in to earn 3.50% APY, you can make your money work harder for you while you focus on enjoying life.

Smart Spending with Transaction Categorization

Spruce takes the guesswork out of budgeting by automatically categorizing your transactions. This feature allows you to:

• Track your spending habits
• Identify areas for improvement
• Set monthly income goals to stay on track

With the Watchlist feature, you can keep an eye on the categories that matter most to you, ensuring that you remain in control of your finances.

Quick Start Tips for New Users

Getting started with Spruce is a breeze. Follow these simple steps to set up your account:

1. Download the Spruce mobile banking app from your app store.
2. Create a secure password with a minimum of 8 characters.
3. Sign up for your Spruce Spending and Savings accounts.
4. Explore the Spruce navigation menu:
• My Life: View a snapshot of your balances and recent transactions.
• Spending: Review your debit and deposit transactions.
• Move Money: Transfer funds between your accounts.
• Saving: Create Saving Goals, enable Round Ups, and opt in to earn 3.50% APY.
• Credit: Check your credit score and learn how to improve it.

Important Disclaimers

Spruce is a financial technology platform developed by H&R Block, and it is important to note that it is not a bank. The Spruce Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., a Member of the FDIC, under a license from Mastercard®. Please be aware of the following:

• The Annual Percentage Yield (APY) of 3.50% is accurate as of 1/23/2025 and is subject to change without notice.
• Fees may reduce earnings on your account.
• Funds are insured by the FDIC on a pass-through basis, subject to applicable limitations and requirements.
• Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward® N.A. is.

Conclusion: Take Charge of Your Financial Future with Spruce

With Spruce, you can enjoy the benefits of a high-yield savings account while managing your finances with ease. From setting financial goals to tracking your spending, Spruce empowers you to take control of your financial journey. Start today and watch your savings grow with the competitive 3.50% APY that Spruce offers. Download the app and begin your path to financial freedom!