Help with Courtesy Overdraft Protection | Spruce Help Center

All courtesy coverage questions

Is there a fee for using Courtesy Coverage?

Courtesy Coverage is provided at no cost for Spruce account holders who qualify.

Who is eligible for Courtesy Coverage?

To be eligible for Courtesy Coverage, you need to meet these requirements: In the last 35 days, you need to…

How much can I overdraw my account?

Courtesy Coverage allows you to make certain transactions that overdraw your spending account up to $20 with no overdraft fee.…

What types of purchases can I use Courtesy Coverage on?

Courtesy Coverage covers debit card purchases and cash withdrawals only. ACH transfers, check transactions and other transactions are not covered.

How do I enroll in Courtesy Coverage?

To enroll in Courtesy Coverage, you’ll need to meet some requirements: In the last 35 days, you need to have…

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Spruce℠ is a financial technology platform built by H&R Block, which is not a bank. Banking products provided by MetaBank®, N.A., Member FDIC.

Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.
Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available 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.
Other fees apply for certain uses of your Spruce debit card and Accounts. See www.SpruceMoney.com/fees/ for details.
There is no fee to withdraw money at Allpoint® ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.
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 bank accounts, provided by MetaBank®, N.A. This product does not report to credit reporting agencies.
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.