How Saving Goals Work | Spruce Help Center

All saving goals questions

Saving with Round Up has been great–but I'm low this month. Can I move my money back to Spending to use it?

Of course! You can transfer money from your Extra Savings to your Spending Account anytime you need it. If the…

If my balance is too low for a Round Up to happen, will it happen once I deposit money to my Spruce Account?

Nope! If a Round Up doesn’t happen due to a low balance at the time the transaction settles, then it…

What if my balance is low? Will a Round Up make me use my Courtesy Coverage or cause my balance to become negative?

If your available balance isn’t enough to cover the round up amount, the Round Up won’t occur. Your account will…

Where does my Round Up money go?

Any Round Ups are placed in your Extra Savings account. You can view the balance and history of transactions in…

When will I see the Round Ups happen? What does settle mean?

Round Ups happen when your purchase or ATM withdrawal is settled, which means when all the back-end, behind-the-scenes processes the…

How do I turn Round Up on or off?

You can easily toggle Round Up on or off in a few, quick steps: Log into your Spruce account. From…

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.