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5 Steps to put your tax refund to good use

Tax season is coming to a close, which means many will soon have refunds, if not already. We talk a…

Spending

Better money habits for smart spending

Just about everyone wants to be better with money — whether that’s never again missing a payment, simply saving for…

Spending

How much does community college cost?

Maybe you’ve just graduated high school or perhaps you want to use continuing education to improve your job prospects. While…

Spending

How much will a car loan drop my credit score?

Buying a car is a big financial milestone for many — it means freedom from having to ask for a…

Spending

Holiday budget stress? How to save money during the holidays & spend less

You know it’s coming: The holiday spending season is just around the corner. But if that reminder makes you and…

Spending

How to buy a house with bad credit – Is it possible?

Homeownership is a dream for many Americans. It can represent not just financial stability, but also a major life goal.…

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.