I've received a few emails over the past couple months that go like this: See Spending Account Agreement for details.I've railed against Skype's poor customer service in the past. Negative balances are limited to $20 and must be repaid within 30 days. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. It is not an extension of credit it is a courtesy exercised at our discretion. Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your Spruce debit card.This product does not report to credit reporting agencies. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. FICO® is a trademark of Fair Isaac Corporation. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Credit score is FICO® Score 8 based on Experian data.There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator. There is no fee to withdraw money at Allpoint® ATMs.Other fees apply for certain uses of your Spruce debit card and Accounts.To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. Early access to funds depends on the timing of the payer’s submission of the payment.See Spruce Rewards powered by Dosh Terms for details. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. Check the Spruce app for offer availability. Cash back offers and amounts may vary by user, merchant location and offer period.
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