2026 TAX TIME REFER A FRIEND
Earn $50 per Spruce referral.
When Spruce users refer a friend, you can both earn $50. Friend must sign up using referral link before March 31, 2026, activate physical card, and receive a total of $200+ in qualifying deposits within 45 days. Up to 5 paid referrals.
Already a Spruce user? Log in to share your link!
Not on Spruce yet? Have a friend send you their link!
No friends on Spruce yet? Sign up and start sharing your link!
Mobile banking app features you’ll love
Spruce takes security seriously
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Your deposits are FDIC insured. This means your accounts are insured by the Federal Deposit Insurance Corporation up to $250,000 — the maximum amount permitted by law.
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24/7 dedicated fraud and lost debit card support and transaction fraud monitoring
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Freeze/unfreeze your debit card if it gets lost or stolen, hide your Spruce card number while using it in public, and rest easy knowing your Spruce debit card is protected by Mastercard Zero Liability.