Send & receive money
Wondering how to send money with Spruce or receive funds to one of your accounts? Get the details here.
All send & receive money questions
Can I set up direct deposit for multiple employers using Atomic?
Yes, you can use Atomic to set up direct deposits for multiple employers.
If there are changes in my paycheck, how is my direct deposit affected?
If you have moved your whole paycheck or a proportion of your paycheck to Spruce, you’ll see changes in your…
Can I split my deposit between more than one account?
Most employers and payroll systems allow you to split your direct deposit between multiple accounts by choosing either the amount…
How long will it take for my direct deposit setup to take effect?
It can take 1 to 2 pay periods for the change to take effect. However, this can vary by employer…
How do I sign up for direct deposit manually?
To set up direct deposit for Spruce manually, follow these steps:
What is Atomic and how is it connected to Spruce?
Spruce has partnered with Atomic to provide the option for you to use Atomic to set up direct deposit to…
What does Atomic do with my data?
Atomic will use your login credentials to link to your employer or payroll system through their encrypted connections and edit…
How does the direct deposit setup with Atomic work?
Here’s how to set up direct deposit through Atomic:
How do I qualify for faster direct deposit?
Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made…
What if I can't find my employer or payroll provider?
There are currently over 40,000 employers supported through Atomic. If you can’t find your employer or payroll provider, Spruce provides…
Can I set up direct deposit for unemployment?
Yes. Atomic supports direct deposit changes for some state unemployment benefits.
What if I don't remember my login credentials for my employer or payroll provider?
Most employers or payroll providers allow you to recover their login credentials through Atomic. However, some employers may require you…
Can I enter a percentage of the total payment or a specified amount for my direct deposit?
Yes. Not all payroll systems or employers allow a partial direct deposit switch. Some offer only a percentage, only a…
Once direct deposit has been set up, can I change or edit my distribution preferences?
Yes, you can go through Atomic again and update the amount you have chosen to move to your Spruce account.
How can I cancel my direct deposit?
If you want to cancel a direct deposit, you will need to contact your HR department or access your payroll…
If I have direct deposit set up or have multiple direct deposits for my paycheck, where do the funds move from?
Setting up direct deposit to Spruce with Atomic makes Spruce your top priority account for allocations from your paycheck. Please…
Why am I having trouble taking a picture of my check?
Here are our best practices for a successful check capture. When you capture the image of the check, make sure…
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…
How should I endorse my check?
To endorse your check, just flip your check over so the back is showing. At the top of the check…
Does Spruce charge a fee for check deposits?
No, Spruce does not charge a fee for check deposits.
When will I have access to the money from the check I deposited?
After you submit a check for deposit through the Spruce app, we will review the check and let you know…
Can I use my Spruce spending account to pay for purchases through Venmo, Cash App, Pay Pal and Apple Pay?
Absolutely! Spruce works with Venmo, Cash App, PayPal, Apple Pay, and Google Pay. Apple Pay is a registered trademark of…
How do I get paid early?
First, you need to set up direct deposit to your Spending Account. To be eligible, you must receive $200 in…
Where are the ATM locations?
You can find these locations by navigating to the ATM locator feature in the Spruce app or by visiting sprucemoney.com/atm-locator/.
Is direct deposit the only way to add funds to my spending account?
There are many ways to add funds to your Spruce spending account. In addition to Direct Deposit, you can connect…
How do I add cash to my Spruce account?
To add cash to your Spruce Spending account, you can visit a participating retail location. You can find these locations…
How do I add cash to my Spruce account?
To add cash to your Spruce Spending account, you can visit a participating retail location. You can find these locations…
Can I use my Spruce spending account to pay for purchases through Venmo, Cash App, Pay Pal and Apple Pay?
Absolutely! Spruce works with Venmo, Cash App, PayPal, Apple Pay, and Google Pay. Apple Pay is a registered trademark of…
Is direct deposit the only way to add funds to my spending account?
There are many ways to add funds to your Spruce spending account. In addition to Direct Deposit, you can connect…
Where are the ATM locations?
You can find these locations by navigating to the ATM locator feature in the Spruce app or by visiting sprucemoney.com/atm-locator/.
How do I sign up for direct deposit manually?
To set up direct deposit for Spruce manually, follow these steps:
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.…
How should I endorse my check?
To endorse your check, just flip your check over so the back is showing. At the top of the check…
How do I get paid early?
First, you need to set up direct deposit to your Spending Account. To be eligible, you must receive $200 in…
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.
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…
When will I have access to the money from the check I deposited?
After you submit a check for deposit through the Spruce app, we will review the check and let you know…
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 am I having trouble taking a picture of my check?
Here are our best practices for a successful check capture. When you capture the image of the check, make sure…
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 does the direct deposit setup with Atomic work?
Here’s how to set up direct deposit through Atomic:
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…
Does Spruce charge a fee for check deposits?
No, Spruce does not charge a fee for check deposits.
Can I split my deposit between more than one account?
Most employers and payroll systems allow you to split your direct deposit between multiple accounts by choosing either the amount…
What is Atomic and how is it connected to Spruce?
Spruce has partnered with Atomic to provide the option for you to use Atomic to set up direct deposit to…
What if I can't find my employer or payroll provider?
There are currently over 40,000 employers supported through Atomic. If you can’t find your employer or payroll provider, Spruce provides…
If I have direct deposit set up or have multiple direct deposits for my paycheck, where do the funds move from?
Setting up direct deposit to Spruce with Atomic makes Spruce your top priority account for allocations from your paycheck. Please…
How do I qualify for faster direct deposit?
Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made…
Can I set up direct deposit for multiple employers using Atomic?
Yes, you can use Atomic to set up direct deposits for multiple employers.
How long will it take for my direct deposit setup to take effect?
It can take 1 to 2 pay periods for the change to take effect. However, this can vary by employer…
If there are changes in my paycheck, how is my direct deposit affected?
If you have moved your whole paycheck or a proportion of your paycheck to Spruce, you’ll see changes in your…
What does Atomic do with my data?
Atomic will use your login credentials to link to your employer or payroll system through their encrypted connections and edit…
Once direct deposit has been set up, can I change or edit my distribution preferences?
Yes, you can go through Atomic again and update the amount you have chosen to move to your Spruce account.
How can I cancel my direct deposit?
If you want to cancel a direct deposit, you will need to contact your HR department or access your payroll…
Can I enter a percentage of the total payment or a specified amount for my direct deposit?
Yes. Not all payroll systems or employers allow a partial direct deposit switch. Some offer only a percentage, only a…
Can I set up direct deposit for unemployment?
Yes. Atomic supports direct deposit changes for some state unemployment benefits.
What if I don't remember my login credentials for my employer or payroll provider?
Most employers or payroll providers allow you to recover their login credentials through Atomic. However, some employers may require you…
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.