Early payday

Get paid up to two days earlier.

Pay day is a great day. But what if you could have your paycheck in your account up to two days sooner?  You can, when you set up direct deposit.

Let’s get started.

Ready to get your first direct deposit? Follow these steps to get started:

  • Open the Spruce app.

  • Go to the settings menu and select “direct deposit.”

  • Follow the steps to enroll in direct deposit through your employer or provider.

Sign up for direct deposit. You could get paid sooner.

Does this sound like something you could get on board with? To be eligible for early paycheck deposits, here’s all you need to do:

Receive any qualifying direct deposit. It can be a paycheck or even government benefits.

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

That’s it! You’ll continue to receive your direct deposits early as long as you remain eligible.

Early paychecks give you the power.

With faster access to your funds, you have more control over your money and where it goes. Enjoy a night on the town, get ahead of upcoming bills, or just enjoy the feeling of security that comes with having access to your money earlier.

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. Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.