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Spruce Resource Center | Spruce Help & Financial AdviceSpruce Features Features High-yield savings New! Earn money when you save. No monthly fees And more things Spruce won’t charge you for. Budgeting tracker Easily track your spending. Early tax refund Get your federal tax refund up to 6 days early. Early payday Cash back Saving goals Free credit score Courtesy Coverage Accounts Accounts Spending account Full of features to make every dollar go further. Savings account See how Spruce can help you save for the things that matter. About About Why Spruce Find out why Spruce is the mobile banking app for you. Security See how Spruce makes security a top priority. Spruce mobile app All about the Spruce mobile banking app. Help Help Help Center Get help with Spruce online banking services Resources Resources Resource Center Discover money tips & financial resources Spruce News See the latest news & reviews. Find fee-free ATMs Get access to over 55,000 fee-free ATMs. Saving Goal CalculatorSign in Get Started Explore Categories Planning Savings Spending Building credit Spruce News All categories Spruce Planning Savings Spending Building credit Spruce News Search Search Spruce Spruce Resource Center Mobile banking What is compound interest and how does it work? Have you ever wondered how to make your money work harder? You may have heard people talk about harnessing the… Building credit Using a secured card to build credit history How much should I save each month? Search Plan for goals big and small. Want to make better progress on your money goals? Learn how to make a financial plan for life’s events and how Spruce can help you achieve more. Planning Monthly budgeting tips for beginners Maybe you’re newly starting out on your own, or maybe you’re just ready to get your financial ship in shape.… Planning Family financial planning: Steps to get your household finances on track Managing your own finances can be tough enough. Pile on the finances of your whole household and things can get… Video Building credit How your credit score is calculated – really There’s a lot of financial information available at our fingertips, but it’s important to know what’s a fact and what’s… View all planning articles Make savings a snap. Start building up your nest egg. Get insights into how you can create a strategy that fits your lifestyle and makes saving simpler. View all saving articles Savings 6 benefits of a savings account Savings Creating an emergency fund Savings Pay yourself first: A smart budgeting approach to reaching savings goals Smart ways to spend. Discover spending resources that can help you learn to spend money smarter and improve your budgeting habits. Building credit Using a secured card to build credit history If you’ve been looking to get your first credit card, chances are you’ve come across something called a secured credit… Spending How much should I spend on a car without busting my budget? While you may see clear benefits to owning a car, the price you should pay for a new set of… Building credit Benefits of a balance transfer and the impact on your credit score Consider this scenario: You’ve had a credit card for a few years, but you open a letter and see an… View all spending articles Can’t find what you’re looking for? Check out the Help Center for additional support, including more FAQs, how-to guides, account troubleshooting, product assistance, and more. Visit the Spruce Help Center More from Spruce. 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For many, summertime means parties, vacations, concerts, and other fun and fabulous activities. But summer can also mean spending lots… Planning Small steps to help with your financial and mental wellbeing It’s not surprising to learn that the state of your financial wellness is closely linked to your overall mental health.… Video Planning Spruce users share what’s influenced their financial habits Making sense of dollars and cents. 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Maybe you’ve just graduated high school or perhaps you want to use continuing education to improve your job prospects. While… Spending How much will a car loan drop my credit score? Buying a car is a big financial milestone for many — it means freedom from having to ask for a… Spending Holiday budget stress? How to save money during the holidays & spend less You know it’s coming: The holiday spending season is just around the corner. But if that reminder makes you and… Planning Protecting yourself from a phishing attack As information technology has evolved throughout the years, so have the scams used by fraudsters to steal funds and even… Building credit How to buy a house with bad credit – Is it possible? Homeownership is a dream for many Americans. It can represent not just financial stability, but also a major life goal.… Planning Online and mobile banking 101 In the simplest terms, mobile banking offers convenience so you can take care of your banking tasks from the comfort… Savings How to save money on a low income Putting aside money for savings is sound advice. But if you’re not making a lot of income, trying to save… Planning College student budget tips College represents many firsts –...