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 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.