Offer Details
Written by: RJ
Requirements
- Open a new Spruce checking account
- Direct deposit $200 within 45 days of opening
- Activate debit card
- Bonus posts within 7 days of completion
Eligibility
- Nationwide – excluding Washington state
- New customers (seems churnable)
Fees
- Spruce checking is fee free
Account Closure
- No rule listed
Chex
- No
*Note – the links seem to display expired if clicked quickly in succession. It then resets and opens the promo page. Posting multiple links here to give options*
Valid through: 4/15/26

Thoughts
I’m told this is chrunable. Also have one data point of using same day ACH from Chase to Spruce and being paid instantly.


You have until April 15 – much appreciated: https://k10iq.app.link/invite/XPVGlCfSp9ugu07ffEBS9JEJ
Here is my referral link https://k10iq.app.link/invite/SLwOxEhxDiJaBRr24HuwLxeG