When we say "grand" prize, we mean it.

Double your dollars up to $1,000 by making mobile check deposits!

From April 5, 2021 through July 2, 2021, deposit your checks through the Spero Mobile Banking app for a chance to win up to $1,000. The more deposits, the better your chances of winning!

Contest Official Rules

mobile deposit

Mobile Check Deposit

Make a mobile check deposit in five easy steps.

  1. Log in to the Spero Mobile Banking app.
  2. Tap Check Deposit on the home screen.
  3. Endorse the check properly. Add your signature, account number, and "For Mobile Deposit Only to Spero Financial" on the back of the check.
  4. Follow the prompts to snap photos of the front and back of your check.
  5. Tap Deposit.

You will receive a confirmation email that your check has been sent and another when your deposit is accepted. Deposits made before 4:15 PM EST/EDT will typically be available the next business day, excluding holds.

Watch "How To" Video

Mobile Deposit is available through the Spero Financial Mobile Banking App

Spero Mobile Banking app

Mobile Deposit FAQs

After enrolling in MONEYLINK Online Banking and downloading the Spero Mobile Banking app, log in to the Spero Mobile Banking app. Choose Check Deposit from the Menu and follow the prompts—the app will walk you through the process step-by-step.
Our mobile banking app is available across multiple platforms and devices, including iPhone, iPad, Android, Windows, Kindle, and Blackberry. Whatever web-enabled phone or tablet you have will likely work with our mobile banking app.
Before you are able to deposit your check through our mobile banking app, you will be shown a disclosure. Please read this disclosure thoroughly as it explains the endorsement process. Members must sign their name, write their account number, and write “For Mobile Deposit Only to Spero Financial” on the back of their check.
Your privacy and security are very important to us. We fully encrypt all wireless communication with our members, including our mobile apps. We also never store personal or financial information on your phone, and all mobile deposits are fully insured by the NCUA, the same as in-branch transactions.
You will receive two email messages to track the status of your deposit. The first email will confirm that your deposit has been Received. The second email will inform you whether your deposit has been Accepted or Cannot Be Accepted.
There are a number of reasons that a check may not be accepted through MONEYLINK Mobile Deposit. The most common reasons include improper endorsement of the check, a bad or blurry image of the check, or an incomplete check (no signature, no date, amount not fully filled in, etc.).
Checks deposited before 4:15 PM EST/EDT will typically be available in your account the following business day - excluding holds.
All checks deposited must be retained for 7 business days after the funds have posted to your account. After 7 business days, the check must be prominently marked with VOID and shredded.

Watch step-by-step how to make a mobile deposit.

Say hello to the convenience of depositing checks as soon as you get them.

Play Our beginnings Video

Contest Rules

  1. NO PURCHASE NECESSARY. PURCHASE OR SIGNING UP FOR ANY SERVICES WILL NOT INCREASE CHANCES OF WINNING. MEMBERSHIP IS NOT REQUIRED TO PARTICIPATE IN THE PRIZE DRAWING.
  2. Promotion entries: Automatic Entries: An eligible Spero member enrolled in Mobile Check Deposit will receive (1) entry each time they complete a qualified mobile deposit through Spero’s Mobile Banking App that is posted to a personal deposit account. Qualified Mobile Deposits are limited to $5,000 per day, item, or per deposit.  To be deemed eligible, all qualified mobile deposits must have an account posting date prior to end of the contest period July 2, 2021 at 11:59:59PM EDT. (Excludes business or organization account transactions, mobile deposits that are discovered to be fraudulent, or mobile deposits returned unpaid.) Consumers must be enrolled in Spero Financial’s Mobile Banking in order to be entered via Automatic Entry. Manual Entries: Spero Financial members who do not wish to use Mobile Check Deposit and non-members may send an email using the subject line: Mobile Check Deposit to [email protected] and include your name, address, and phone number during the promotion period to be entered for a chance to win.
  3. Promotion Period: Promotion starts at 12:00 am on April 5, 2021 and will end at 11:59 pm on July 2, 2021. All times are Eastern Daylight Time and denote the time we receive your entry, not the date/time you made a Mobile Check Deposit or submit your entry by email.
  4. Number of Entries: Automatic Entries: An eligible Spero member enrolled in Spero Mobile Deposit will receive one (1) entry each time they complete a Qualified Mobile Deposit through Spero Financial’s Mobile Banking Application (“Mobile Banking App”) that has been posted to a personal deposit account. Availability of certain transactions may be subject to meeting eligibility requirements. To be deemed eligible, all Qualified Mobile Deposits must have an account posting date that is prior to the end of the Promotion Period. Qualifying transactions made on Saturdays, Sundays, or Holidays will count as automatic entries when posted to the attached personal deposit account during the Promotion Period. Automatic entries must be posted by 11:59:59PM EDT on July 2, 2021 in order to be eligible. Manual Entries:Manual entries are limited to one per eligible person.
  5. Prize Drawing: Spero Financial will randomly select 3 (three) winners from qualified entries after the promotion period is over. An account credit in the amount equal to each winner’s mobile check deposit (up to a maximum of $1,000) will be awarded to the account used for entry. If the entry is $100.99 or less, winner receives $100. If the entry is $101 - $999.99, winner receives exact equal amount. If entry is equal or above $1,000, winner receives $1,000. All manual entry winners are automatically eligible for the maximum prize. If manual entry is a Spero Financial member, winnings will be deposited into the member’s primary share. If manual entry is not a Spero Financial member, winnings – provided in a Cashier’s Check - will be available for pick-up at a specified Spero Financial location. The drawings will take place no later than Friday, July 16, 2021. The selection of a prize winner hereunder will be Winner does not have to be present to win.
  6. Eligibility: At the time of the drawing, you must be 18 years of age or older, a U.S. Citizen or U.S. Lawful Permanent Resident, and all accounts and loans with Spero Financial must be in good standing. All employees and volunteers of Spero Financial and their immediate family members residing in a single household are not eligible. In the event of a dispute regarding which authorized user of a Mobile Banking App should receive credit for a Mobile Deposit Entry, the primary account holder for the account associated with the Mobile Banking App will be deemed to be the Entrant.
  7. Void where prohibited by law. All federal, state, and local laws and regulations
  8. By accepting a prize, the winner consents to use of his/her name and photograph or likeness for advertising and promotional services such as the CU’s newsletter, website, Twitter, Facebook, Instagram, etcetera without compensation. Failure of the entrant to follow the rules of the promotion will void the entry. If the winner refuses to sign a release form within 30 calendar days of the drawing, all prizes will be forfeited.
  9. Release of Claims: All winners, members of any winner’s household, relatives, and persons who use any prize awarded by the Credit Union and such person’s heirs, assigns, executors, and administrators release and exempt the Credit Union and its directors, officers, staff, agents, and volunteers from any and all claims, actions, demands, or damages which they have now or anytime in the future arising from use of any prize, including personal injury or Spero Financial is not responsible for lost, late, misdirected, or incomplete entries. Late, misdirected, or incomplete entries will be disqualified.
  10. Spero Financial will make every attempt to reach the winner using the information we have on file. If we are not able to contact the winner within 10 days of drawing, the prize will be forfeited.
  11. Prize winners are responsible for all federal, state, local and other taxes or assessments that may be associated with or imposed upon the winner of any prize in this promotion.

Spero Mobile Banking app

Download the Spero Mobile Banking app

to access the mobile deposit feature.

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