When will I have access to the money from the check I deposited?

Last updated: August 23, 2022

After you submit a check for deposit through the Spruce app, we will review the check and let you know if it’s been accepted. If your check is accepted, we’ll tell you the date you can expect to have access to the funds.

Though it may take up to 10 business days for the funds to be available, we generally expect funds to be available within five to seven business days for most check deposits. We’ll also send you communication the day your funds are available.

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