{"id":2191,"date":"2024-01-31T19:29:41","date_gmt":"2024-01-31T19:29:41","guid":{"rendered":"https:\/\/www.sprucemoney.com\/resource-center\/?p=2191"},"modified":"2025-03-29T03:29:00","modified_gmt":"2025-03-29T03:29:00","slug":"online-savings-account","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/savings\/online-savings-account\/","title":{"rendered":"Online savings account: What it is and how to open one with Spruce"},"content":{"rendered":"\n<p>From grocery delivery to GPS and traffic alerts, mobile technology has made many aspects of modern life simpler and easier. Tools for managing your money are no exception \u2014 especially as online and app options are becoming more and more common.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"123\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/02\/online-savings-account-image-thumbnail.jpg\" alt=\"\" class=\"wp-image-2221\"\/><\/figure>\n<\/div>\n\n\n<p>Plus, many Americans find digital options, such as mobile apps or online banks, to be a quick and convenient alternative to brick-and-mortar locations. &nbsp;<\/p>\n\n\n\n<p>The Spruce mobile banking app can help you manage your money with ease once you\u2019ve opened your Spruce accounts. You can even use the app to open a savings account online which you get automatically with the Spruce Spending account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-open-a-savings-account-online\">Can I open a savings account online?<\/h2>\n\n\n\n<p>Yes! Online saving accounts can be opened online. These days, you can open a savings account in your pajamas through platforms like Spruce, which makes it painless to open a savings account online. In fact, when you sign up with Spruce, you automatically get an online savings account which is connected to your Spending account.<\/p>\n\n\n\n<p>Whether you want to start a rainy-day fund or plan for a bucket-list vacation destination, a <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\">savings account (different from a checking account)<\/a> is a safe way to put money aside for the future. &nbsp;Putting money in dedicated accounts can help you avoid spending your cash on impulse buys. With Spruce, you can even set up two saving goals you can use to save for specific goals.<\/p>\n\n\n\n<p>Online accounts allow you to review your account balance easily and track your progress as your savings add up. Looking at those numbers can be quite a morale boost! And you can access the money you save easily as soon as you need it. Additionally, savings accounts often earn interest but check your account opening documents to confirm. <\/p>\n\n\n\n<p><strong>Did you know with <a href=\"https:\/\/www.sprucemoney.com\/savings-interest\/\">Spruce saving interest<\/a>,<\/strong> Spruce customers can opt-in to earning interest on their Spruce Savings account balance, including the balance(s) in their saving goals?<\/p>\n\n\n\n<p>Keep in mind, if you\u2019re interested in how to open a savings account at other institutions, the process can vary from bank to bank. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-open-a-savings-account-online\">How to open a savings account online<\/h2>\n\n\n\n<p>When opening an account with an online bank, you\u2019ll typically need to provide the following information in addition to completing identity verification steps:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Name<\/li>\n\n\n\n<li>Date of birth<\/li>\n\n\n\n<li>Address<\/li>\n\n\n\n<li>Social Security number<\/li>\n<\/ul>\n\n\n\n<p>Gather this information and complete the application for a new account. If you\u2019re applying online, you can submit your application with the click of a button. Most of the time, it will only take a few minutes to apply and complete the bank\u2019s approval process. And with that, you\u2019re ready to begin your savings journey!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-open-a-savings-account-online-with-no-minimum-balance-requirement-with-spruce\">Open a savings account online with no minimum balance requirement with Spruce<\/h2>\n\n\n\n<p>Many traditional banks require their customers to deposit a minimum amount to fund their accounts or may require you to maintain a minimum balance in order to prevent fees or earn interest. But with Spruce, there\u2019s no need to worry about a minimum balance requirement. How much you save is up to you.<\/p>\n\n\n\n<p>As you add money to your account, make your money work for you. Drooling over a new pair of sneakers? With the Spruce app, you can set up a dedicated saving goal and give it a name. (Might we suggest, \u201cfire kicks\u201d?)<\/p>\n\n\n\n<p>Next, use Spruce\u2019s <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/savings-calculator\/\">saving goal calculator<\/a> to figure out how you\u2019ll get there. Enter the total amount you want to save and how much you can put towards that goal. The calculator will tell you how much to save every week or month and for how long.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-spruce-s-online-savings-account-could-help-you-get-better-with-money\">Spruce\u2019s online savings account could help you get better with money<\/h2>\n\n\n\n<p>There\u2019s no time like the present to get your financial house in order by developing a savings routine. Saving for an emergency fund is a great place to start.<\/p>\n\n\n\n<p>Unexpected expenses can crop up at any time, from car repairs to a doctor\u2019s bill for a sprained ankle. A savings account can help you avoid turning to credit in those emergencies. Your <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/emergency-fund\/\">emergency fund<\/a> can also provide peace of mind if you lose income because of an injury or layoff.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/12\/spruce-illustration-navigation-savings-account-80x80-1.svg\" alt=\"\" class=\"wp-image-2106\"\/><\/figure>\n<\/div>\n\n\n<p>Experts say you should have about three to six months of expenses tucked away to provide a financial cushion when times are tough. Get in the habit of putting money when you can into your savings account or a<strong> <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/\">Spruce saving goal<\/a><\/strong> until you reach your goal. Or you can move money from your spending account with transfers any time you like.<\/p>\n\n\n\n<p>There are many effective ways to save money to reach your goals. A great first step is to make a budget. Your budget can help make sure you have enough to cover the necessities. And it helps you identify areas to dial back spending if you come up short.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/12\/spruce-illustration-navigation-budget-tracking-80x80-1.svg\" alt=\"\" class=\"wp-image-2103\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/www.sprucemoney.com\/budget-tracker-tool\/\"><strong>Spruce budget tracke<\/strong>r<\/a> tool lets you easily see how you spend your money each month. If you want to spend less on takeout or ride-sharing apps, you can add those specific categories to your watchlist and keep a closer eye on spending.<\/p>\n\n\n\n<p>Consider <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/money-saving-tips\/\">savings tips<\/a> to manage expenses, like thrifting instead of buying new. Carpool to work and help your coworkers save as well. Make a list before you go to the grocery store and stick to it. Or cut out some of those streaming subscriptions. Once you see the money in your online savings account start to add up, you may just find yourself looking for other ways to boost your savings.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/12\/spruce-illustration-navigation-spending-account-80x80-1.svg\" alt=\"\" class=\"wp-image-2105\"\/><\/figure>\n<\/div>\n\n\n<p>Your Spruce debit card also comes with another handy feature that allows you the option to round up your purchase to the next dollar and directly deposit the change in your Extra Savings account. Even small deposits can add up quickly, helping you meet your savings goals sooner.<\/p>\n\n\n\n<p>And maybe best of all Spruce has no monthly fees and no sign-up fees. <a href=\"https:\/\/www.sprucemoney.com\/fees\/\">See fee details<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-open-your-online-savings-account-with-spruce-today\">Open your online savings account with Spruce today<\/h2>\n\n\n\n<p>With zero sign-up or monthly fees and thousands of fee-free ATMs<sup><button data-disclaimer-trigger=\"4\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>4<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup>,Spruce\u2019s mobile platform makes online banking a no-brainer.<\/p>\n\n\n\n<p>A savings account can be a great way to build financial security and bring your goals within reach. Even one dollar at a time can help you get you where you want to go.<\/p>\n\n\n\n<p>Find out more about all the&nbsp;<a href=\"https:\/\/www.sprucemoney.com\/features\/\">features\u202fSpruce<\/a>&nbsp;has to offer.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/account.sprucemoney.com\/signup\/\"><strong>Get started with Spruce!<\/strong><\/a><\/p>\n\n\n\n<p><em>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>From grocery delivery to GPS and traffic alerts, mobile technology has made many aspects of modern life simpler and easier.\u2026<\/p>\n","protected":false},"author":1,"featured_media":2206,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-2191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings"],"acf":[],"yoast_head":"<title>Open An Online Savings Account Today | Spruce<\/title>\n<meta name=\"description\" content=\"Find out how to open a savings account and spending account online automatically with Spruce. 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