Send & Receive Money Support | Spruce Help Center

All send & receive money questions

Is there a limit on the amount I can deposit by check into Spruce?

Yes. The maximum amount you can deposit is $2,000 per day or $5,000 in any rolling 30-day period.

When can I deposit a check? Can I deposit a check immediately after I open my account?

You’ll need to have an active Spruce account 30 days before you can deposit a check in the Spruce app.…

How do I deposit a check with Spruce?

Depositing a check is simple to do from within the Spruce app: Select Move Money and then Deposit a check.…

What happens if the check I deposited is returned?

There are some circumstances where a check could be returned, such as insufficient funds. If a check you previously deposited…

What types of checks can I deposit? Can I deposit personal checks?

You can deposit personal, business, and government checks that: Are from a Financial Institution in the U.S. Are payable in…

Why was my check not accepted?

Unfortunately, we are not able to accept all checks submitted for deposit through the Spruce mobile app. If your check…

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 Pathward, 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.