Offer at a glance
- Maximum bonus amount: $100 + $100 per referral (up to 5 referrals)
- Availability: On a national scale
- Direct deposit required: Yes, $200+ within 45 days
- Additional requirements: Activate your debit card
- Hard/soft pull: Gentle pull
- ChexSystems: No.
- Credit card financing: ANY
- Monthly fees: ANY
- Early account closure fee: Unknown
- Family boundary: ANY
- Expiration date: April 15, 2026
Offers
No direct link to provide, requires a referral link (find and share referrals in this related post)
- Fintech Spruce Money offers a $100 referral bonus to both parties when the new user opens a new account using a referral link and meets the following requirements:
- Register for a new account by April 15, 2026
- Activate your debit card
- Get a direct deposit of $200+
Fine Press
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
This account has no monthly fees to worry about.
Early account termination fee
I wasn’t able to find a fee plan so unsure if there is any EATF, but since there is no monthly fee, it’s not a big risk to keep open.
Our verdict
I wouldn’t be surprised if this gets pulled early, though Spruce Money was built by H&R Block, so they definitely have money to spend if they decide to push it. As far as I know, this is the only bonus we’ve seen from Spruce. There is always a chance that the bonus will increase in the future, but if you are in two-player mode, you can effectively get $300 from two registrations ($100 from the first, then refer the partner for $200 on the second). I think this is worth doing and will be added to ours best bank account bonuses. again, please do not share your referral information in the comments below. It can be divided into this linked post instead.
Hat tip to the reader kiwi
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