FEE TRANSPARENCY

Be clear about fees without surprises

Spruce doesn’t have any hidden fees, so rest easy knowing what you see is what you get. 

Break free from these fees

  • No account balance fees

  • No monthly fees

  • No sign-up fees

  • No foreign transaction fees

  • No in-network ATM withdrawal fees

  • No fee to request a check or one-time ACH

See Spruce’s fees upfront

Here’s the list of fees for Spruce. Short and simple. 
Spruce fee
Checkbook
Checkbook

$15 per package of 25 checks

Out-of-network ATM withdrawal
Out-of-network ATM withdrawal

$3 per withdrawal (plus ATM owner fees or other fees not charged by us)

Expedited shipping physical card delivery
Expedited shipping physical card delivery

$15

Over-the-counter withdrawal
Over-the-counter withdrawal

$4.95 per withdrawal

Third-Party Money Transmitter (Retailer fee to add cash)
Third-Party Money Transmitter (Retailer fee to add cash)

Up to $4.95 (not our fee)

Start your journey with Spruce

Join the hundreds of thousands of Americans who opened a Spruce account and are taking control of their financial future today.

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