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COURTESY COVERAGE
Overdraft? No worries.
We’ve got your back. Qualifying Spruce members can get up to $20 of fee-free overdraft protection for card purchases.
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Take a deep breath. We got you.
With Courtesy Coverage, if you make a purchase with your card that would put your account in the negative, we’ll automatically cover you, up to $20. And you’ll get a notification, so you know exactly where you stand.
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It’s simple to get back in the green
After Courtesy Coverage covers you, all you have to do is pay back that amount within 30 days. The next time you add funds to your account, those funds will automatically go towards repaying your negative balance, or you can transfer funds from one of your saving goals.
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Want to activate Courtesy Coverage?
We’ll cover you up to $20 in case you overdraw your account when using your debit card. To be eligible, here’s all you need to do:
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Set up direct deposit with your employer or from the Spruce app and receive qualifying direct deposits totaling $200 in 35 days.
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Continue to receive $200 in qualifying direct deposits at least every 35 days.
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Once eligible, go to Courtesy Coverage in the Spruce settings menu to enroll.
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After enrolling in Courtesy Coverage, it will stay active as long as you remain eligible or until you unenroll.
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We’re here to lend a hand
We all need help sometimes. Courtesy Coverage gives you a leg up when you need it most. Spruce covers your eligible transactions because we want to see you succeed.
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