Explore Spruce Help Center topics.
Whether you need tips to navigate your Spruce accounts or have a question about how to make the most of a specific feature, we’re here to help out.
Most popular help questions
Spending
Can I see my transactions by category for past months?
Yes! To see your category transaction for prior months, first go to the Category page. To do this, tap the…
Account information
How much interest will I earn?
Currently, Spruce Savings accounts will earn 3.50% Annual Percentage Yield (APY). Note: This rate is variable and can change without…
Saving goals
What happens if I archive a goal with automated savings?
When you choose to archive your saving goal, Spruce will automatically disable your automatic savings. But, you can continue saving…
Spending
What's the Watchlist?
The Watchlist is a quick and easy way for you to track your month-to-date spending by category. You can customize…
Spending
Can I create an Income Goal without adding income to my Watchlist?
Before creating an Income Goal, you must add it to your Watchlist first.
Account information
Are Spruce savings accounts safe?
All funds in your Spruce accounts, including your savings, are FDIC insured through Pathward®, N.A. Member FDIC. This means the…
Spending
I would like to track a different category. Can I create my own?
Currently, Spruce does not allow users to create their own categories. However, there are over 20 built-in categories to choose…
Security & compliance
How can I tell if it’s Spruce that’s really contacting me?
Spruce won’t call and ask you for personal information, login, account credentials, or authentication codes. If you are ever contacted…
Spending
I've tried budgeting apps before and found them too time-consuming. What's different about Spruce?
We understand you’re busy and a lot of budgeting software can take time to keep up. With Spruce, we make…
Spending
Can I split a transaction into multiple categories?
Currently, Spruce doesn’t support splitting a transaction into multiple categories. While we understand that one category isn’t always perfect for…
Account information
When is interest paid?
Any accrued monthly interest is paid on the first calendar day of the following month.
Spending
How are the default transaction categories determined initially?
Spruce assigns a category to a transaction based on several factors, including merchant data trends from millions of previous transactions.
Account information
Which accounts earn interest?
After you opt in to interest, you will earn interest on any balance in your Extra Saving and any of…
Security & compliance
How do I freeze my debit card?
From the Spruce app, log in and tap the three lines in the top right corner. Then tap Card management…
Security & compliance
How do I set a strong password for my Spruce account?
Using a strong, unique password is a great way to safeguard your Spruce account. When you create a password, do…
Account information
Are there fees for Savings accounts with interest?
Spruce does not charge any fees for earning interest or moving funds into or out of Savings. See our entire…
Account information
How can I earn interest? How do I opt in to interest with Spruce?
To start earning interest, you must opt in by completing the opt-in process, which includes an IRS tax requirement where…
Account information
What happens to my interest when I close my Spruce account?
If you close your Spruce account, you lose any interest earned between the first of the month and the day…
Account information
When do I start earning interest on transfers into my Savings account?
You will start to earn interest on the day you opt in, or if you already opted in, you will…
Account information
Does Spruce Savings have a minimum balance requirement to earn interest?
Nope! There is no minimum or maximum balance requirement.
Account information
How do I know how much interest I've earned?
There are a few ways you can see how much interest you’ve earned. You can view your monthly interest payment…
Account information
Why didn't my Savings account receive an interest payment this month?
The monthly interest earned must be at least a penny to receive an interest payment that month. But don’t worry…
Account information
What happens to my interest earnings when I archive a Saving Goal?
When you archive a Saving Goal, a final interest payment for any accrued interest will be credited to that goal…
Security & compliance
What do I do if I don’t recognize some of the activity in my account?
Call Spruce right away at 1-855-977-7823 so Spruce can help secure your account. While waiting to speak to a representative,…
Send & receive money
What are the eligibility criteria to use pay/request?
You must opt in before you can use pay/request. If you meet the eligibility criteria below, you can opt in…
Security & compliance
How can I protect myself against fraud?
Here are some tips to protect your personal info:
Spruce overview
What is Spruce's mission?
Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more…
Send & receive money
Are there limits on how much I can send or receive?
Yes, there are daily, weekly, and monthly limits to help keep transfers secure. These limits may change over time (as…
Send & receive money
What if I want to opt out of pay/request?
If you decide you no longer wish to use pay/request, you can simply stop using it with no impact to…
Send & receive money
What if I try to send money and it doesn't go through?
If something goes wrong, like a system error or a limit being exceeded, you’ll see a message explaining what happened.…
Send & receive money
What happens if I change my phone number or email?
To protect your account, there’s a waiting period after you update your contact info. During this time, you won’t be able…
Send & receive money
Can I send money to someone who isn't a Spruce user?
Not at this time. Pay/request only works between Spruce users who have opted in to use the feature. If your…
Send & receive money
How do I send a payment or request?
After you’ve opted in and met the eligibility requirements:
Send & receive money
Where can I see my pay/request activity?
You’ll find all your pay/request transactions in your: You’ll also get emails and push notifications (if enabled) when you send…
Send & receive money
Why am I getting this error message: "It looks like we can't complete that request"?
If you are trying to send a payment or request and get this error message, it could mean: Tip: Make…
Send & receive money
How long do I have to approve or deny a payment request?
Pending payment requests will remain active for 48 hours after which time they will expire and can no longer be…
Send & receive money
How do I opt-in to pay/request?
If you’re eligible (either by meeting the criteria or by receiving an invitation), you’ll see an opt-in screen when you…
Send & receive money
How do I approve or deny an incoming request?
When someone sends you a request for money, you’ll get an email and a push notification (if enabled) from the…
Send & receive money
I’ve been invited to opt in and have limited access. Why can’t I send money?
If you’ve been invited to use pay/request, but your account doesn’t yet meet the eligibility criteria, you will have limited…
Send & receive money
How do I invite someone to use pay/request?
If you’re eligible and opted in to pay/request, you can invite other active Spruce users to join. Just open pay/request,…
Send & receive money
Can I invite someone to use pay/request?
Yes! If you’re eligible and opted in to pay/request, you can invite any Spruce user to join—no eligibility requirements needed…
Send & receive money
Why can't I send requests to everyone?
Not all pay/request users have full access yet. Some accounts are limited to receiving payments only. You can send them a…
Send & receive money
Why does it say pay/request is unavailable for my Spruce account?
If you see a message that says the feature is unavailable, your account might be temporarily restricted. This can happen…
Send & receive money
Who can use pay/request?
All Spruce users will see the pay/request feature in the app. For you to start using it, your account needs…
Send & receive money
What is pay/request?
Pay/request lets eligible Spruce users send and receive money with each other. Split dinner, cover a friend’s coffee, or send…
Can I see my transactions by category for past months?
Yes! To see your category transaction for prior months, first go to the Category page. To do this, tap the…
How much interest will I earn?
Currently, Spruce Savings accounts will earn 3.50% Annual Percentage Yield (APY). Note: This rate is variable and can change without…
What happens if I archive a goal with automated savings?
When you choose to archive your saving goal, Spruce will automatically disable your automatic savings. But, you can continue saving…
What's the Watchlist?
The Watchlist is a quick and easy way for you to track your month-to-date spending by category. You can customize…
Can I create an Income Goal without adding income to my Watchlist?
Before creating an Income Goal, you must add it to your Watchlist first.
Are Spruce savings accounts safe?
All funds in your Spruce accounts, including your savings, are FDIC insured through Pathward®, N.A. Member FDIC. This means the…
I would like to track a different category. Can I create my own?
Currently, Spruce does not allow users to create their own categories. However, there are over 20 built-in categories to choose…
How can I tell if it’s Spruce that’s really contacting me?
Spruce won’t call and ask you for personal information, login, account credentials, or authentication codes. If you are ever contacted…
I've tried budgeting apps before and found them too time-consuming. What's different about Spruce?
We understand you’re busy and a lot of budgeting software can take time to keep up. With Spruce, we make…
Can I split a transaction into multiple categories?
Currently, Spruce doesn’t support splitting a transaction into multiple categories. While we understand that one category isn’t always perfect for…
When is interest paid?
Any accrued monthly interest is paid on the first calendar day of the following month.
How are the default transaction categories determined initially?
Spruce assigns a category to a transaction based on several factors, including merchant data trends from millions of previous transactions.
Which accounts earn interest?
After you opt in to interest, you will earn interest on any balance in your Extra Saving and any of…
How do I freeze my debit card?
From the Spruce app, log in and tap the three lines in the top right corner. Then tap Card management…
How do I set a strong password for my Spruce account?
Using a strong, unique password is a great way to safeguard your Spruce account. When you create a password, do…
Are there fees for Savings accounts with interest?
Spruce does not charge any fees for earning interest or moving funds into or out of Savings. See our entire…
How can I earn interest? How do I opt in to interest with Spruce?
To start earning interest, you must opt in by completing the opt-in process, which includes an IRS tax requirement where…
What happens to my interest when I close my Spruce account?
If you close your Spruce account, you lose any interest earned between the first of the month and the day…
When do I start earning interest on transfers into my Savings account?
You will start to earn interest on the day you opt in, or if you already opted in, you will…
Does Spruce Savings have a minimum balance requirement to earn interest?
Nope! There is no minimum or maximum balance requirement.
How do I know how much interest I've earned?
There are a few ways you can see how much interest you’ve earned. You can view your monthly interest payment…
Why didn't my Savings account receive an interest payment this month?
The monthly interest earned must be at least a penny to receive an interest payment that month. But don’t worry…
What happens to my interest earnings when I archive a Saving Goal?
When you archive a Saving Goal, a final interest payment for any accrued interest will be credited to that goal…
What do I do if I don’t recognize some of the activity in my account?
Call Spruce right away at 1-855-977-7823 so Spruce can help secure your account. While waiting to speak to a representative,…
What are the eligibility criteria to use pay/request?
You must opt in before you can use pay/request. If you meet the eligibility criteria below, you can opt in…
How can I protect myself against fraud?
Here are some tips to protect your personal info:
What is Spruce's mission?
Our mission is to provide a fair, frank, and progressive financial future for everyone. Why? Because we know you’re more…
Are there limits on how much I can send or receive?
Yes, there are daily, weekly, and monthly limits to help keep transfers secure. These limits may change over time (as…
What if I want to opt out of pay/request?
If you decide you no longer wish to use pay/request, you can simply stop using it with no impact to…
What if I try to send money and it doesn't go through?
If something goes wrong, like a system error or a limit being exceeded, you’ll see a message explaining what happened.…
What happens if I change my phone number or email?
To protect your account, there’s a waiting period after you update your contact info. During this time, you won’t be able…
Can I send money to someone who isn't a Spruce user?
Not at this time. Pay/request only works between Spruce users who have opted in to use the feature. If your…
How do I send a payment or request?
After you’ve opted in and met the eligibility requirements:
Where can I see my pay/request activity?
You’ll find all your pay/request transactions in your: You’ll also get emails and push notifications (if enabled) when you send…
Why am I getting this error message: "It looks like we can't complete that request"?
If you are trying to send a payment or request and get this error message, it could mean: Tip: Make…
How long do I have to approve or deny a payment request?
Pending payment requests will remain active for 48 hours after which time they will expire and can no longer be…
How do I opt-in to pay/request?
If you’re eligible (either by meeting the criteria or by receiving an invitation), you’ll see an opt-in screen when you…
How do I approve or deny an incoming request?
When someone sends you a request for money, you’ll get an email and a push notification (if enabled) from the…
I’ve been invited to opt in and have limited access. Why can’t I send money?
If you’ve been invited to use pay/request, but your account doesn’t yet meet the eligibility criteria, you will have limited…
How do I invite someone to use pay/request?
If you’re eligible and opted in to pay/request, you can invite other active Spruce users to join. Just open pay/request,…
Can I invite someone to use pay/request?
Yes! If you’re eligible and opted in to pay/request, you can invite any Spruce user to join—no eligibility requirements needed…
Why can't I send requests to everyone?
Not all pay/request users have full access yet. Some accounts are limited to receiving payments only. You can send them a…
Why does it say pay/request is unavailable for my Spruce account?
If you see a message that says the feature is unavailable, your account might be temporarily restricted. This can happen…
Who can use pay/request?
All Spruce users will see the pay/request feature in the app. For you to start using it, your account needs…
What is pay/request?
Pay/request lets eligible Spruce users send and receive money with each other. Split dinner, cover a friend’s coffee, or send…
Get to know Spruce.
Spruce is mobile banking for people who want to get better with money. Find money tips in our Resource Center or learn more about Spruce below.
Spruce fintech platform is built by H&R Block, which is not a bank. Bank products by Pathward, N.A., Member FDIC.