Help Center Saving goals

Why should I create a saving goal?

Last updated: April 25, 2022

Science says you should give your saving goal(s) a name and specific value in order to be more successful.

The Spruce^SM Savings Account is established by MetaBank, N.A., Member FDIC.

Was this answer helpful?

Yes, loved it

Could be better

Do you still have a question? Give us a call at 1-855-977-7823 or sign in to your account to chat.

Related help topics

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.

Why should I create a saving goal?

Related help topics

Send & receive money

How can I cancel my direct deposit?

Send & receive money

Can I split my deposit between more than one account?

Send & receive money

How does the direct deposit setup with Atomic work?