Spruce – Mobile banking 4.7.1

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Spruce is a mobile banking app that provides financial tools for managing your Spruce Spending and Savings accounts to help you take control of your finances. Whether you're new to mobile banking or have tried other apps before, Spruce is a reliable option that will be there when you need it.

With Spruce, you can enjoy financial peace of mind with your own accounts, and what's even better is that there are no sign-up fees, monthly fees, minimum balance requirements, or credit checks.

Become a savvy saver with Spruce! You don't have to give up the things you love to save money. Simply set a Saving Goal in Spruce and automate your savings with any amount you want. By setting aside as little as $1 a day, you can become a saver without sacrificing life's simple pleasures.

Let Spruce do the work for you! It automatically categorizes your transactions, and you can use the Watchlist feature to keep an eye on the categories that matter most to you. Not only does Watchlist help you track your spending, but it also enables you to set monthly income goals so you can stay ahead each month.

<h3>Quick Start Tips</h3>
<ol>
<li>Download the Spruce mobile banking app.</li>
<li>Create a strong password with at least 8 characters.</li>
<li>Sign up for your Spruce Spending and Savings accounts.</li>
<li>Explore the Spruce navigation menu:</li>
<ul>
<li>My Life: Check your balances and recent transactions at a glance.</li>
<li>Spending: Review your debit and deposit transactions.</li>
<li>Move Money: Deposit checks or transfer funds between accounts.</li>
<li>Saving: Set Saving Goals, enable Round Ups, and earn cash back at select retailers.</li>
<li>Credit: Check your credit score and learn how to improve it.</li>
</ul>
</ol>

DISCLAIMERS:
Spruce is a financial technology platform developed by H&R Block, which is not a bank. Spruce Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, under a license from Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location, and offer period. Check the Spruce app for current offers. Cash back earned from qualifying purchases will be deposited in your Spruce Savings Account. Please refer to the Spruce Rewards powered by Dosh Terms for full details.

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

Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy and not an extension of credit. To qualify, you must opt in and have made at least $200 in qualifying deposits over the previous 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. Please refer to the Spending Account Agreement for complete details.

Early access to funds depends on when payment instructions are received and varies by individual. In general, funds are made available earlier than the scheduled payment date. To qualify for early access, you must have received at least $200 in direct deposits over the previous 35-day period, excluding tax refunds.

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Spruce – Mobile banking 4.7.1

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