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Planning

Spruce users share: “My New Year’s Resolution for 2023 is..."

Raise your hand if you’re looking for financial reset in 2023. It’s been a rough road the last few years,…

Planning

5 Real $ struggles, 5 ways Spruce can help (Infographic)

Everyone wants to be better with money, right? But sometimes hurdles, such as fees and access to banking tools, get…

Planning

Protecting yourself from a phishing attack

As information technology has evolved throughout the years, so have the scams used by fraudsters to steal funds and even…

Planning

What to know about student loan forgiveness — right now

Editor’s note: The Biden-Harris Student Loan Forgiveness Program as described in this post is currently on hold due to a…

Planning

Financial and mental health: It’s all connected. Here’s where you can gain control

Worried that you have more bills due than money coming in? Feel anxious when you check your account balance? Not…

Planning

Deposit checks online with mobile check deposit

Innovation is making daily tasks easier everywhere — and banking is no exception. In fact, an H&R Block study* showed…

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.