Spending Archives

All spending questions

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…

Can I move money from my saving goal to my spending account? How many times a month?

Absolutely! The money saved for your goals is your money. You can move it between your savings and spending accounts…

How much can I overdraw my account?

Courtesy Coverage allows you to make certain transactions that overdraw your spending account up to $20 with no overdraft fee.…

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.

Spending

What is my routing and account number for my Spending Account?

All spending questions

Can I use my Spruce spending account to pay for purchases through Venmo, Cash App, Pay Pal and Apple Pay?

Can I move money from my saving goal to my spending account? How many times a month?

How much can I overdraw my account?

Can I use my Spruce spending account to pay for purchases through Venmo, Cash App, Pay Pal and Apple Pay?

How much can I overdraw my account?

Can I move money from my saving goal to my spending account? How many times a month?

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