Spruce has fees you can see.

With Spruce, you can rest easy knowing you won’t get any surprise fees.

Spruce fee
Monthly fee
Monthly fee

$0

Sign-up fee
Sign-up fee

$0

Minimum balance fee
Minimum balance fee

$0

Foreign transaction
Foreign transaction

$0

In-network ATM withdrawal
In-network ATM withdrawal

$0

Checkbook
Checkbook

$15 per package of 25 checks

Out-of-network ATM withdrawal
Out-of-network ATM withdrawal

$3 per withdrawal (plus ATM owner fees or other fees not charged by us)

Expedited shipping physical card delivery
Expedited shipping physical card delivery

$15

Over-the-counter withdrawal
Over-the-counter withdrawal

$4.95 per withdrawal

Third-Party Money Transmitter
Third-Party Money Transmitter

Up to $4.95 (not our fee)

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.