Tax refund recommendation

Get your tax refund up to 5 days early.

With Spruce mobile banking, you could get your federal tax refund up to 5 days sooner when you have it deposited directly into your Spruce account. Spruce can even help you put that money to good use with our tax refund recommendation feature.

Put your refund to good use.

After your tax return is finished, Spruce will prompt you to allocate a portion of it for savings. Put it towards one of your in-progress saving goals, or start a new one. No matter what amount you choose to save, it will help get you closer to your goals.

Boost savings without a second thought.

When your refund’s on its way or after it’s deposited into your spending account, you can choose to tuck away a portion of it. Spruce will transfer the money to your chosen saving goal. Your nest egg grows and you may be less tempted to spend the entire amount. Win-win.

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  1. 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.