Account Information Support | Spruce Help Center

All account information questions

How can I close my Spruce accounts?

Say it ain’t so! Please let us know how we can make your experience better and keep you around longer…

What is my routing and account number for my Spending Account?

You can find your routing and account numbers in your Spruce online and app account. You can log in at…

I prepared my taxes online with HRB and was approved for Spruce accounts, how do I access them online?

Smart move! All you need to do now is get the Spruce app or go to sprucemoney.com to create your…

What's my account balance?

You can see your account balances by logging into SpruceMoney.com or by getting the Spruce app. From there, you can…

What's my savings balance?

You can view your account balance by logging into SpruceMoney.com or by getting the Spruce app. From there, you can…

What do I need to open my Spruce accounts?

All you need to do now is get the Spruce app or go to sprucemoney.com to sign up. Just provide…

Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
No fee to withdraw money at Allpoint^® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
Credit score is FICO^® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO^® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.