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Spruce overview

Want to learn about online banking with Spruce? See why it’s the choice for people who want to get better with money.

Account information

Find everything from password help to specific questions related to your Spruce Spending and Saving Accounts.

Card management

Questions about your digital or physical card? Get answers about ordering, using and replacing your Spruce card.

Send & receive money

Wondering how to send money with Spruce or receive funds to one of your accounts? Get the details here.

Saving goals

Spruce lets you set saving goals to help make your saving experience a little less stressful. Find out how they work.

Cash back rewards

Need a hand with our cash back feature? Learn how cash back rewards work when you spend money with Spruce.

Courtesy coverage

When money gets tight, Courtesy Coverage is here to give you a cushion. Learn more about what it is and how it works.

Spending

Paying with Spruce is a simple way to spend money smarter. Find out how and where you can spend your money here.

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.
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.
Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.
The Annual Percentage Yield (APY) is accurate as of 06/07/2024. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.