Tax refund recommendation

Use your refund to jumpstart your savings.

The Spruce mobile banking platform can help you make the most of your tax refund by making a plan for the money you get back. 

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.

Get your tax refund up to 5 days early.

Did you know, getting your federal tax refund deposited directly into your Spruce account is one of the quickest ways to get your refund? Have your money up to 5 days sooner with Spruce.

Get your tax refund early

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  1. The speed at which the IRS will process your refund will not change. The “5 days early” claim is limited to Federal refunds and is based on a comparison of the Spruce policy of making federal refunds available upon receipt of payment instruction versus the typical banking practice of making funds available at settlement. This early access requires deposit of your federal refund into your Spruce Spending Account and depends on the timing of the IRS’s submission of the payment. Not available for state refunds. This program may be changed or discontinued at any time.