Spruce Mobile Banking – Built by H&R Block: $50 Bonus with $200 Direct Deposit and $50 Referral Rewards

Spruce mobile banking built by H&R Block aims to help you get better with your money by enabling you to create personalized saving goals, get automatic cash back rewards, view your free credit score, enjoy courtesy overdraft protection, and get your paycheck up to 2 days early with direct deposit.

Plus, you can get a $50 Spruce sign-up bonus when you activate your Spruce debit card and have at least $200 in direct deposits to your Spruce Spending Account within 45 days of account opening.

With no credit check required to apply, anyone can open Spruce Spending and Savings Accounts, and there are no sign-up fees, no monthly fees, and no minimum balance requirements.

Spruce is a financial technology platform built by H&R Block, and the banking products are provided by Pathward, N.A., Member FDIC.

Please note that these Spruce referral bonuses are available nationwide, excluding the state of Washington.

Spruce Spending Account $50 Sign-Up Bonus

Through this Spruce $50 Referral Bonus Link, you can get a $50 cash bonus when you open your new Spruce accounts by May 31, 2026, activate your Spruce debit card, and have at least $200 in qualifying direct deposits to your Spruce Spending Account within 45 days of account opening.

To receive this $50 Spruce sign-up bonus, you must open your new Spruce Spending and Savings Accounts prior to May 31, 2026, activate your Spruce debit card, and receive at least $200 in qualifying direct deposits to your Spruce Spending Account within 45 days of account opening.

Direct deposits that qualify for this promotion are those made by ACH credit to your Spending Account, including recurring direct deposits from your employer or benefits provider, excluding tax refunds.

Any other types of deposits to your account, such as mobile check deposits, transfers from your Spruce Savings Account or other internal transfers, transfers from your external bank linked within Spruce, and cash transfers from third-party funds transfer providers do not count as qualifying direct deposits.

Even though the terms indicated these direct deposit restrictions, a reader has reported that almost any type of ACH transfer into your Spruce account will qualify for the direct deposit requirement.

Your $50 bonus will be deposited into your Spruce Spending Account within 7 business days after you have completed the requirements.

Spruce $50 Refer-A-Friend Rewards

If you currently have a Spruce account, you can participate in the Spruce Referral Offer to share $50 bonuses with your friends.

To access your Spruce referral link, just visit SpruceMoney.com, and click the “Get Started” link at the top of the page next to the referral language, which will prompt you to login to your account.

When your friends join Spruce via your referral link, activate their Spruce debit card, and receive at least $200 in qualifying direct deposits within 45 days of signup, you will both receive a $50 bonus reward within 7 business days of completing the requirements.

As a referrer, you can earn up to $250 in bonus rewards for referring your friends and family to try banking with Spruce.

If you are a current Spruce member, please feel free to share your Spruce referral links and user experiences in the below comments, so that everybody can take advantage of these Spruce referral bonuses.

If you are looking for a simple solution for your mobile banking needs that will help you get better with your money, try the Spruce Spending and Savings Accounts to get a $50 bonus with a direct deposit.

For more mobile banking options, you can try MoneyLion, Upgrade, and Dave, which all offer similar sign-up bonuses for trying their digital banking platforms.