Support for Paying with Spruce | Spruce Help Center

All spending questions

What's a Spending Level?

A Spending Level is a goal you set for yourself. It’s the most money a month you want to spend…

What's the Watchlist?

The Watchlist is a quick and easy way for you to track your month-to-date spending by category. You can customize…

What's an Income Goal?

An Income Goal is exactly that—a goal you set for how much income you want to bring in each month.…

Can I see my transactions by category for past months?

Yes! To see your category transaction for prior months, first go to the Category page. To do this, tap the…

My transaction is miscategorized. How can I fix it?

To update a category, navigate to that transaction’s detail page by tapping the Spending tab and selecting the transaction. From…

What if I need to change a Spending Level I already set?

Editing your Spending Level is easy. From the My Life page, select the Edit button on the Watchlist card, then…

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.