Repayment of loan
Courtecy Coverage
If you use Courtesy Coverage's negative balance of up to $20, you do not have to pay any fees. However, if you have a negative balance, you need to pay off the debt within 30 days. To continue using Courtesy Coverage, you need to deposit $200 in your account again.
You can make purchases with your debit card, ATM withdrawals of up to $20 with no overdraft fee.
Eligible transfers
To fund your account, you can use direct deposits or internal transfers. These can be:
Recurring direct deposits from your employer
Benefits provider, excluding tax refunds.
Non-eligible transfers include:
ACH credit to your Spending Account
Mobile check deposits
Transfers from your Spruce Savings Account
Transfers from your external bank linked within Spruce
Cash transfers from third-party.
