Courtesy Coverage

Overdraft? No worries.

We've got your back. Qualifying Spruce members can get up to $20 of fee-free overdraft protection for card purchases. 

Take a deep breath. We got you.

With Courtesy Coverage, if you make a purchase with your card that would put your account in the negative, we’ll automatically cover you, up to $20. And you’ll get a notification, so you know exactly where you stand.

It’s simple to get back in the green.

After Courtesy Coverage covers you, all you have to do is pay back that amount within 30 days. The next time you add funds to your account, those funds will automatically go towards repaying your negative balance, or you can transfer funds from one of your saving goals.

Sign up for direct deposit to unlock Courtesy Coverage.

We’ll cover you up to $20 in case you overdraw your account when using your debit card. To be eligible, here’s all you need to do:

$200 qualifying direct deposits

Become eligible by receiving qualifying direct deposits totaling $200 in 35 days.

continue to receive qualifying direct deposits

Continue to receive $200 in qualifying direct deposits at least every 35 days.

navigate to courtesy coverage

Once eligible, go to Courtesy Coverage in the Spruce settings menu to enroll.

remain eligible for courtesy coverage

After enrolling in Courtesy Coverage, it will stay active as long as you remain eligible or until you unenroll.

We’re here to lend a hand.

We all need help sometimes. Courtesy Coverage gives you a leg up when you need it most. Spruce covers your eligible transactions because we want to see you succeed.

Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

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  1. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card. It is not an extension of credit; it is a courtesy exercised at our discretion. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.