Digital Banking

Access and manage your Spero personal accounts, all in one place.

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Digital Banking

Access and manage your Spero business accounts, all in one place.

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Checkpoint

Read our quarterly magazine full of financial tips for our members.

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Digital Banking

Access and manage your Spero accounts, all in one place.

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Debit Card

A sleek, Spero Visa® Debit Card is your ticket to seamless transactions, ready to be swiped for all your adventures.

Pay With Confidence

  • Contactless technology lets you enjoy tap-to-pay convenience. Tap your card at any merchant terminal that displays the symbol.
  • Digital wallet compatibility lets you upload your new card to your digital wallet for purchase convenience.
  • Added security features, such as fraud alerts, make your banking experience even better.

Got Questions?
We Have Answers.

There are several reasons your card may not work properly. Here are a few suggestions:
  • If you are trying to make a credit-based transaction and the transaction fails, try using your card as a debit card. Credit and debit transactions process via different networks, so this option can help avoid network-related issues.
  • Your card’s magnetic strip may be damaged. If you experience this problem at multiple locations, you can request a replacement card by contacting your local branch, sending a secure message via MONEYLINKSM online banking, or calling our Member Solutions Center at (800) 922-0446.
  • Your card may have been blocked for suspected fraud. If that is the case, we will notify you by phone and/or text. If you haven’t spoken with us by phone about this issue, please check your voicemail messages.
If none of the options listed above resolve the issue, please call us at (800) 922-0446 so we can assist you.
Spero Financial ATMs are surcharge-free for our members, so we recommend using these as often as possible. You can find a complete list of Spero ATMs and branches on our locations page. You can also avoid surcharges by using ATMs within the CO-OP Network. For a complete list of CO-OP ATMs and shared branch locations, click here for locations.
To activate your debit card, please call the phone number denoted on the letter the card was mailed on.
Your debit card will work in most foreign countries. However, there are a few countries where we block transactions due to specific circumstances and agreements. To verify whether your card will work once you reach your destination, please contact the Member Solutions Center at (800) 922-0446 at least two business days before your departure. This will also allow us to unblock your card for the time period of your travels, avoiding any interruptions in your usage while you are away.
You can use your debit card anywhere Visa® is accepted.
If you suspect fraudulent activity on your debit card, please call 866.820.9769 immediately.
If you cannot remember your PIN or your debit card is blocked, you can choose a new PIN by contacting the Member Solutions Center at (800) 922-0446.
Yes! We have a process in place to automatically reissue you a new debt card before your current card expires. We ship out new cards in the middle of each month, so you will receive your new card a day or two before the old one expires.
If you have forgotten your Debit Card PIN, please call our Member Solutions Center at (800) 922-0446. For your security and protection, account access will be locked after three unsuccessful PIN entry attempts. If you are unsure of your PIN, it’s always best to contact a Spero member representative before attempting to log in to your account.