Spruce – Mobile banking

Name: Spruce – Mobile banking
Rating: 3.01245 (241 reviews)

Finance

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Spruce – Mobile banking

Finance

241 ratings

Age Rating

Seller

HRB Tax Group, Inc.

View in App Store

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User Reviews for Spruce – Mobile banking

Great app, Recommended for direct deposits.

I recently signed up for the spruce account because I file my taxes with H&R Block every single year. I decided “why not” and filed my taxes to get my direct deposit into my new spruce account. I was a little nervous because it’s a new platform but I wanted to find a faster way to get my tax refund. Signing up for Spruce was easy, learning my way around the app was quite easy as well. My only real complaint is there isn’t a specific section to see my “pending deposits” they kind of just show up (unless I haven’t found where to see that information yet). The best part is my tax return wasn’t suppose to be direct deposited until 02/22, however it came EARLY!! Which is great because one of the benefits is direct deposits up 2 days early and I got it even sooner than that! I’d recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;.

Amelia__123, Feb 19, 2022

Spruce card

I have always had the emerald card this year I decided to go with spruce due to they claim you get your taxes 5 days sooner. Well not true in fact my return was deposited per I.R.S. Website March 2, 2022 and I have yet to see it on my card and it’s now the night of March 10th still nothing and no one knows anything and I called 5 days later from when it’s said it was deposited and asked a person with the irs and they confirmed it was sent to them. But no one at spruce can find it. They keep transferring me back and forth with spruce and h n r block I feel like I am in a game of ping-pong and I’m the freaking ball. I don’t know why spruce can’t find my money. This place is a joke and I would never recommend it to anyone. I am very disappointed and I my only step next it to call the BBB. Cause as far as I am concerned they stole my tax return from me.

charz un happy, Mar 11, 2022

New bug fix created new bugs and still more bugs 🐜

I didn’t have ANY problems until newest update. NOW EVERY time I time I try to sign into the Spruce app it freezes up and I have to go to the App Store to just to get it to open. But then it goes right through. What’s up with that guys? Kinda annoying.🤦🏼‍♀️ I’m STILL having trouble with the SAME issue…and here it is 3 weeks later after my initial review. I am updating my review as of April 25, 2023 now!!! More than KINDA annoying now!!! Thank you. Update: here it is again a week later and I am still having the same issue?!?! I can’t sign in until I go find in the App Store first…this is getting kinda ridiculous ya think 💭. It was quite fine before the last update!

Denorun, May 04, 2023

Horrible

The fact that I have to call three different times today and the first lady tells me that I can use my virtual card and that I have access to it was a lie. I called back the second time, and the lady says to call the phone number on the back of my card which is exactly what I’ve done and she’s telling me she can’t help me and repeatedly just says to call back. So I hang up and I call the same exact number that I’ve always called and the third person tells me that she’s escalated the situation so I can use my card in 24 hours. It’s honestly insane. so I won’t have access for it till tomorrow, which is unacceptable and my problem in my eyes was not resolved because I should have immediate access to my virtual card like I’ve always had with every other company.

Hisbaby4203, Apr 05, 2023

Doesn’t get to you in a timely manner if they ever get back to you

If I could give zero stars I would. I didn’t even want this bank account but because I can’t say no when the nice gentleman at h & r block asked me if I’d like to sign up I said sure. I have multiple bank accounts I really didn’t need it. He didn’t tell me that is where my tax return would be going.When I tried to make my account it glitched and there wasn’t a password created. I’ve called several times and they have “escalated” my case (which when this happens it takes 3-5 days for them to reach out you) I worked multiple days with a nice lady trying to get into my account. they said they finally got the issue resolved and I should be able to log in and they were giving me $50 for my troubles (would be a nice gesture if I could access it). The issue was not resolved. I still can’t get it and I’ve had to call every day for my case to be escalated once more. I would just like access to my money and then to delete my spruce account and never deal with them again. I have been dealing with this issue for a month now.

Kayla042895, Feb 17, 2023

Super bad service

I created this account when I was completing my Tax return using H&R Block. They claimed that takes 5 days to get your tax refund. That happened in about 6 days, but that’s not the problem, I linked an external account so I can send my $$ into my external account (where I do all my financial transactions) the feature didn’t allow me to send out, I called customer service and they told me I can’t do that, only option to PayPal or Cash but only $1,000 per day, and the last option, someone will call me to sep up a transfer to my external account, that will take 3-5 days to 1st to receive the phone call and another 3-5 days to transfer to my external bank. I could have just use my bank at the end of the tax filling process in H&R block, wait a few extra days and get all my money in my bank account (no issues). With Spruce I got was issues, headaches, longer time, terrible service. Next year I will switch to Turbo Tax. Bye H&R Block

MrWayra, Apr 29, 2023

DISTURBING !!!

So I’m a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank…. BIG MISTAKE !!! I downloaded the app and applied for account. Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! This means their mobile app does NOT sync with your phone or know who you are !!! This is a HUGE security risk and the first red flag !! Once you’re in the mobile app, if you try clicking on “security notifications” to choose how you’d like your security set up, it doesn’t do anything ? It does nothing !! It’s like it’s disabled ?? 2nd red flag !! It gets worse from there….. I called their toll free number to close down my account since there’s NO WAY I’m going to trust this company or banking app with my info, let alone my money, and SURPRISE !! I get a call center in a foreign country….. Philippines !! Umm…. how about NO !! And the lady I spoke with, didn’t even have the ability to close down my account ?!?! Seriously ?? Is this a joke ?? She told me she would have to submit a request to their “back office” to close my account and that basically I MIGHT get an email confirming closure, whenever they get around to it ?? DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! You’ve been warned !!

Navyman21, Feb 10, 2022

Dispute issues, app timeouts, glitches, horrible customer service.

So I got my taxes on this card, no clue why. Anyway I decided to book a cruise. My husband and I have been trying to get pregnant for 3 years, and have had 5 losses. We’re incredibly high risk. I called the cruise line ahead of time to ask if I would get my deposit back should I need to cancel. They said yes, I booked, called back again to make sure. Cut to now, we’re starting treatment and cannot go on a cruise in the event we do get pregnant. Thought it best to cancel. Cruise line screwed us. Tried to call spruce, can’t get ahold of anyone by phone because it can’t validate your phone number even if your account is tied to it, customer service chat is a JOKE. They’re rude and disrespectful, won’t let you ask questions or explain. And you can’t even get through their questions before the app times out and makes you sign in again, even if you are typing a response and actively being engaged. Then you have to start all over. I don’t even know how to begin to file this dispute. I may have to contact an attorney since there’s no way ti get ahold of SPRUCE. RUN FAR AWAY

pissedoffbitch#2, May 21, 2023

This company is terrible

Update: HRBlock called me finally and kinda fixed the situation but not entirely. I was at least able to get access to the money to pull it all off. They had to activate the card themselves and set the pin number so they had my pin and all my info. Not safe, not secure and no one can really help you. You have to wait 5 days for someone to reach out to you but I told them I’d contact my attorney for holding funds hostage and they called right away. This card and service is downright awful. Don’t do itI never asked HRBlock to give me this card, I never wanted it, I provided them my actual routing and account number. Somehow I ended up with this Speuce account with no card and my taxes are just sitting. No one can help me or give me information. I keep being told they have to send emails and I have to wait 5 business days or longer for any assistance. They tell me they can see the account and all my info matches but I have no access to my money. I would run from these people. If you haven’t gotten a card from them, they want the card info before sending you another card! HOW WHEN I NEVER GOT IT!!! Never even asked for this and here I am with no insight on when I’ll be able to access the money. They’ll close the account but it’ll take longer than 5 business days to process the closure and send a check. They’re ridiculous and customer service is awful.

sticklepryncesz, Jan 04, 2023

Scam!! BEWARE!!!

This is a banking platform supposedly created by HR Block, it is really Netspend. Netspend is so crooked they hide behind well reputable names such as HR Block and PayPal and others. This tax season it was my only option I had to choose from to receive my tax refund through HR Block online free file. Spruce targets low income people to provide”help” with their financial spending habits. I believe the true reason is to illegally take money from people who can not afford to do anything about it. I have had at least $2645 just go missing and I’ve tried making disputes and asking about my money to be hung up on and have transactions that have cleared be duplicated and kept pending for over a month to account for some of the missing funds. They answer the phone HR Block and HR Block in office tax preparers aren’t even offering this Spruce to their customers yet.

wkslpm, Mar 24, 2022

Description

Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC Spruce is a mobile banking app for people who want to be better with money. And, for a limited time, you'll get a $50 bonus when you receive qualifying direct deposits.

Here's how Spruce can help you be good with money: - No sign-up fees, no monthly fees, no credit check, and no minimum balance required. - Get your Federal Refund Early! Receive your federal refund up to 5 days early with Spruce. * - You're Protected With Courtesy Coverage. Enroll in direct deposit and get up to $20 fee-free overdraft protection once activated. ~ - Personalized Saving Goals. You can customize goals, start saving, and begin tracking your progress. - Round Up. Pay yourself when you spend and round up to the nearest dollar. - Cash Back. Earn cash back when you spend at select retailers. # - Direct Deposit. Get your paycheck up to 2 days early with direct deposit. ≠ - Credit Score. Stay on top of your score, get score insights, and better understand your credit score. ± Legal Disclaimers Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. # Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details. ≠ 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. Requires $200 in direct deposits over prior 35-day period, not including tax refunds. ± 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 bank accounts, provided by Pathward, N.A. ^ 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. ~ 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. * Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 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. May be modified or discontinued at any time.