Spruce Money $100 Kickstart Bonus – Ends 9/30/26

Spruce Money is offering eligible customers $100 for opening and using qualifying deposit accounts. The current offer must be opened by September 30, 2026. Here is how the promotion works and the important restrictions to review before applying.

Want more bank bonuses? See our regularly updated list of the best current bank promotions.

Spruce Money Bonus Overview

Maximum bonus: $100
Application deadline: September 30, 2026
Availability: Nationwide for eligible new Spruce users; deposit accounts are provided by Pathward, N.A., Member FDIC.

How to Earn the Bonus

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Earn $400

Go to the deal

• Open new Spruce Spending and Savings accounts during September 1–30, 2026.
• Receive at least $500 in qualifying direct deposits within 45 days of opening.
• Do not apply through a referral link because the Kickstart Bonus cannot be combined with referral campaigns.

Who Is Eligible?

New users only. Qualifying deposits are employer payroll or government-benefit ACH credits; tax refunds, internal transfers, mobile checks, peer payments, and ordinary bank transfers do not qualify. Limit one per customer.

Monthly Fees and Minimum Deposits

Spruce advertises no monthly fees. ATM and optional service fees may apply.

When Is the Bonus Paid?

The $100 bonus is deposited to the Spruce Spending account within 14 business days after completing all requirements. Accounts cannot be closed or restricted at payout. Promotional bonuses may be taxable and could be reported on an IRS information return. Keep the account open and in good standing until the payment arrives.

How to Apply

Review the bank’s official offer and disclosures before applying. Start through the official Spruce Money promotion page so the promotion is attached correctly. Save the offer page, application confirmation, promo code, and records of qualifying activity.

The Bottom Line

Spruce Money’s $100 offer can be worthwhile for applicants who are eligible and can complete every requirement without paying avoidable fees. Pay special attention to the application deadline, new-customer definition, qualifying-deposit rules, maintenance period, and payout timing.

Sources

• Official Spruce Money offer or disclosure
• Doctor of Credit offer listing

Offer details verified September 10, 2026. Terms can change or be withdrawn without notice. Confirm the bank’s current disclosures before applying.