Emerald Advance® Loan

SPENDING ACCOUNT

No monthly fees with Spruce
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CLEAN UP YOUR FINANCIAL LIFE

Spruce mobile banking with direct deposit

Overdraft? No worries.
Need your paycheck early? We got you.

Use the Spruce app to easily set up direct deposit and reap the benefits. Qualifying customers can enable up to $20 of fee-free overdraft protection for card purchases and even receive their paychecks up to 2 days early.

ATM FINDER

Spruce debit card protected by Mastercard Zero Liability
Spruce mobile banking app and features

FAQs

A spending account is a bank account designed for everyday spending.


A Spruce spending account offers the flexibility of accessing your card through your mobile wallet or physical debit card, so you can use it however you choose.

You can use either your virtual or physical Spruce debit card to shop at online retailers just like you would use it in a physical store. You can also use your card to make online payments for things like bills, utilities, and subscriptions.

Using a spending account can separate your everyday spending from your savings so you can better track your transactions.


There are even more benefits when you open a Spruce spending account. You get access to Cash Back Rewards through purchases from participating retailers and budget tracking tools to monitor and manage your spending.

Right away! As soon as your spending account has been created, you can add money and access your virtual Spruce debit card info in the Spruce app or by signing in at www.SpruceMoney.com. You can use your virtual debit card for electronic or online spending until your physical card arrives in the mail and is activated.