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* Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 9/1/2026 and 9/30/2026; and 2) receiving $500 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are only ACH credits from an employer or government benefits (but not tax refunds). Any other deposits do not qualify, including but not limited to, other ACH credits, mobile check deposits, internal transfers, transfers within Spruce from external accounts, peer payments or transfers, or cash transfers. $100 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. Cannot be combined with any other offer, including any Referral Incentive Campaign, and not available if you open Spruce accounts using a referral link. May be modified or discontinued at any time.