What AI says about Spruce Money

Spruce is a fintech platform built by H&R Block that provides spending and savings accounts with features such as automatic transaction categorization, a personalized budget, early pay options, and a free credit score, accessed through its mobile app. Spruce is not a bank; bank products and the debit card are issued by Pathward, N.A., with deposits FDIC insured, and Mastercard is used for card transactions. It offers a high-yield savings option at 3.50% APY, access to 55,000+ fee-free ATMs, 24/7 fraud protection, and rewards via Spruce Rewards powered by Dosh.