Frequently Asked Questions

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New Debit Card

If you notice any discrepancies or errors on your new debit card, such as incorrect personal information or unauthorized transactions, please contact us immediately at 800-922-0446.
For security reasons, you will need to establish a PIN when activating your new debit card. If you want to keep your current PIN, simply designate it when activating your new card.
Please call our Member Solutions Center at 800-922-0446.
No. Your old debit card will automatically deactivate on June 11, 2024, at 11:59 pm ET. You must activate your new debit card by calling 800-631-3197.
On June 12, activate your card by calling 800-631-3197.
Your checking account number will remain the same. Only your debit card number will change.
Yes, if the recurring payment is linked to your current debit card. Once you activate your debit card on June 12, you will need to update recurring payments tied to your old debit card with your new card details. This may be subscriptions, utility bills, etc.
No. Direct deposits are tied to your account number, not your debit card number.
Yes. On June 12, you may add your new debit card to your digital wallet. If your old card is currently in your digital wallet, you may remove it on June 12 — as it will no longer be valid.
While your card will automatically deactivate at 11:59 pm ET on June 11, as an added layer of security, we encourage you to cut it into pieces or shred it before disposing of it.

Student Spend

Yes. Student Spend accounts are limited to those 14 or older. A parent or other loved one 18 years or older must be on the account as a joint owner.
At age 24, the account will automatically convert to a Simply Checking account, with a reminder notification sent before the account holder’s birthday. At that point, the account holder can determine if there is another Spero checking account they prefer to convert to. If the account holder is still a student at age 24, they must show proof of enrollment to maintain their Student Spend account.

Checking Accounts

You may request check copies by calling our Member Solutions Center at (800) 922-0446 or visiting your local branch. Please note there is a fee for printed check copies.
You can stop a payment on a check by signing in to MONEYLINKSM Online Banking and send a secure message. You may also call our Member Solutions Center at (800) 922-0446 or visit your local branch. Please note there is a fee associated with stopping payment.
You may re-order checks from Harland Clarke, our preferred provider, by visiting The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and confidential. Once clicking the link, you will need to supply the Spero Financial Routing Number 253279277, your account MICR, and the zip code associated with your account. PLEASE NOTE: This link can only be used to re-order checks with no changes from the previous order. If you have never placed an order for Spero checks before or need to make a change to your check order, please click here to request a supply be ordered. Upon submission, a member specialist will reach out to confirm your order details.
Overdrafts may occur through checks, ATM or debit card transactions, transfers, or other electronic methods. An overdraft occurs when you do not have enough money in your account to cover a transaction but Spero Financial pays it to avoid your transaction being declined.
When opening a share draft account, you will have the option to opt-in to the Overdraft Program. You may opt-in for Spero Financial to generally cover: (1) any online bill payments and checks that overdraw your account, (2) all transactions that that overdraw your account including online bill payment, checks, ATM withdrawals, and debit card transactions; or (3) you may decline the Overdraft Program for all transactions.
An overdraft limit is the amount up to which Spero Financial will generally pay transactions that exceed the available funds in your account.
You can request to be removed from the Overdraft Program at any time. If you opt out, we may not pay your transactions into overdraft, and we may charge an NSF fee. For example, if you have a bill that you want us to pay and you don’t have enough money in your account at the time, we must return your item. Unfortunately, this means either you can’t get the items you wanted, or the merchant may charge you a fee for having the item returned. We will not pay ATM or everyday debit card transactions when there are insufficient funds in your account unless you specifically authorize us to do so.
For members that receive paper statements, your overdraft limit will be displayed on your monthly paper statement under your checking account(s). The overdraft limit is also displayed in the account details within Online and Mobile Banking.

Debit Card & ATMs

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.
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 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.
If you suspect fraudulent activity on your debit card, please call (800) 264-5578 immediately.
You can use your debit card anywhere Mastercard® is accepted.
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.
To activate your debit card, please call the phone number on the sticker that is attached to your card (800.992.3808). Please note: when calling to activate the card, you will be asked to enter your phone number listed on the account for an added-layer of security. You can use this same number to reset your PIN as well.
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.
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. 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.

Digital Wallet

A Digital Wallet contains digital versions of your debit/credit cards that are stored in the wallet app on your mobile phone. It securely stores your payment info, allowing you to pay with your phone. (So, you don't need to carry your plastic cards around!) Simply enter and store your card/bank account information in your Digital Wallet and use your phone to pay for purchases.

Your Spero credit and debit cards can be added to your Digital Wallet.

Apple Pay, Google Pay, & Samsung Pay

Yes. Your actual card number is not stored on your device nor shared with merchants. Instead, the app assigns the card with a virtual card number – aka unique Device Account Number – that is used to process your payments. Your digital wallet can’t be used for payments without your authentication. So, your information is protected, even if your phone is lost or stolen. Once your card is added to a Digital Wallet, you will receive an email/letter that confirms your card upload.

A unique Device Account Number is a virtual card number assigned to your card when you place it into your Digital Wallet. This number may be visible on your receipt (in place of the last four digits of your physical card) and may be required by merchants for returns. The unique Device Account Number is listed in the card details within your digital wallet.

Call our fraud department as soon as possible. Click here for fraud department numbers.

If the multifactor authentication method used on your cell phone may have been compromised, you should report your card lost or stolen. Reporting your card lost or stolen renders the card useless in digital wallet, and the plastic card will no longer work.

Yes, you will need to update your card in Digital Wallet. The new card will have a new three-digit CVV code on the back of the card and a new expiration date.

No, there are no additional fees associated with using your debit card in digital wallet.

You can add your Spero card to your digital wallet after you receive your physical card in the mail and activate it.

Yes, you can use your card on your smart watch to make purchases. (How’s that for convenience!)

Yes, you can use digital wallet outside of the United States where it is accepted. However, cash back is not allowed on international transactions. Additional fees my apply.

No, you do not need to notify Spero Financial prior to traveling domestically. However, if you are traveling internationally, you must contact Spero Financial to add a travel note to your card.

Yes, you can add your Spero card to multiple Digital Wallets on devices that belong to you.

Depending on the type of device you have, there’s an option to edit, add, or remove your card from your digital wallet. In Apple Pay, tap on the card. At the top right, tap the three dot icon. Scroll down and select Remove this Card. In Google Pay, at the top left, tap Menu and then Payment methods. Tap the payment method you want to remove. At the top right, tap More. Remove payment method. In Samsung Pay, tap icon with three horizontal lines and then tap card. Select the card you want to remove, and then tap More options. Tap Delete card.
Some merchants may prompt you to enter a PIN when using your digital wallet in-store.

Fraud Alerts

If the text is not answered within 30 minutes, you will receive a phone call and then an email. You card will remained blocked for your protection.
For credit card fraud alerts, the text will come from 91937. Alerts will also include “Spero Visa Fraud Alert”. For debit cards fraud alerts, the text will come from 37268. Alert will also include "Fraud Center 877-273-5740".
Simply reply STOP to any text alert to opt-out.


You may contact Pinnacle Wealth Management by phone, email, or online. Learn more here.
A Pinnacle Advisor will provide instructions when confirming your appointment.
No, they are not affiliated. Pinnacle Wealth Management is an independent wealth management company clearing through LPL Financial National Brokerage Firm, that Spero Financial recommends to provide investment services to you, our members.    
Pinnacle Wealth Management will advise you based on the type of investment you select.
Pinnacle Wealth Management offers virtual appointments and in-person appointments at any of our Spero locations, or at their local office at 140 Bridges Rd, Ste D, Mauldin, SC 29662.


For most loans, you will need to submit a valid photo ID (i.e., driver's license or state-issued ID), insurance verification, and financial verification in the form of current pay stubs or your most recent tax returns. If you have specific questions about your paperwork, you can visit a Spero Financial branch or speak with a member representative by calling (800) 922-0446.
Spero Financial offers many convenient options for making your loan payment. Explore all the options here.
Yes! To get pre-approved, please complete our online mortgage application. Once submitted, a lending specialist will be in touch. Learn More about mortgages


Joining the credit union is probably much simpler than you think! Click here to become a member to explore all the benefits of joining the Spero Financial flock and the items needed to open your membership.
Yes, we do. We consider the credit union a win-win! Like traditional banks, we offer financial solutions that include savings accounts, checking accounts, and a variety of loan programs. But, better yet, since Spero is a member-owned, not-for-profit financial cooperative, we reinvest our earnings into programs that offer higher rates on savings, lower rates on loans, and low- or no-fee services. So, DON'T GET BANKED! Join Spero Financial today!
As a federally insured financial institution, we are subject to government regulations, one of which requires us to verify each member’s physical residence when they open an account. If the address on your ID is not up to date, you may provide another piece of documentation to verify your current address, such as a current utility bill, current vehicle registration, recently issued pay stub, property tax bill, lease agreement, or homeowners/renter insurance policy. Contact us to discuss other acceptable items.
You can access your member number by signing into MONEYLINKSM Online. Your member number is the series of digits preceding the dash in the account number. For example, if your account number is 123456-01, your member number is 123456. You may also contact our Member Solutions Center at (800) 922-0446 or visit your local branch.
Spero Financial’s routing number is 253279277. Also known as the ABA Routing Transit Number (ABA RTN), this nine-digit code, which is assigned to US financial institutions by The American Bankers Association, can also be found on the bottom left corner of your Spero Financial checks.
If you utilize MONEYLINKSM Online, sign in and select the “Welcome” tab at the top. Select “All Services & Settings” and click “Change phone, email or address” under the Security Settings section. You may also call our Member Solutions Center at (800) 922-0446.
Log into MONEYLINKSM Online to access up to five years of statement history. Sign in and select the “Welcome” tab at the top. Select “All Services & Settings” and click “View Statements” under the Preferences section. If you would like printed statement copies, you may request them by mail or by calling our Member Solutions Center at (800) 922-0446. Please note there is a fee for mailing copies of printed statements.
We observe all major federal holidays, including New Year’s Day, Martin Luther King Jr. Day, President’s Day, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veteran’s Day, Thanksgiving Day, and Christmas Day. Holiday closure reminders will be posted on all location entrances, as well as Spero Financial social media pages. You can also find each branch’s regular hours of operation by clicking here.
Shared branching is a convenient perk that gives credit union members the ability to use ATMs and in-branch services at other participating credit unions. Spero Financial is a proud member of the Co-Op Shared Branching Network. With more than 5,600 locations throughout the country, there’s a good chance you can find a shared branching location no matter where your travels take you. Click here for shared branching locations to check out a complete list of Co-Op shared branching locations.
Yes, please notify us at least two business days before your departure. This will allow us to unblock your card for the time period of your travels, avoiding any interruptions in your usage while you are away. To do so, please contact our Member Solutions Center at (800) 922-0446 or send a secured message via MONEYLINKSM Online.

Mobile Deposit

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.

Mobile Banking App

If you have enrolled in MONEYLINKSM Online: Download the Spero Mobile Banking app from the App Store on your mobile device. Enter the same User ID and passcode you use to sign in to online banking. If you have not enrolled in MONEYLINKSM Online: Download the Spero Financial Mobile Banking app from the App Store on your mobile device. Select “Enroll Now” and follow the prompts. The credentials you create can also be used by accessing MONEYLINKSM Online on your computer.
If you receive the Error message “Your Access ID or Passcode were entered incorrectly or your passcode may have expired. Try again…” you may select “Forgot Passcode” to reset your password. You will be prompted to input your username, email address (this is the email address linked to your account), and member number. You will then be given the option to answer a security question (same as the ones set up in Online Banking) or have a one-time PIN sent to your email. A temporary passcode will be sent to your email address on-file. Input it in the app. Once accepted, you will be able to reset your passcode for future use. NOTE: If the password is entered incorrectly too many times, your account will be locked for security purposes. If this occurs, call us at (800) 922-0446 and select Option 3 for digital banking assistance.
This may be caused by your phone’s cache – basically your phone is remembering and auto-populating your old password instead of the new one. To fix, clear your phone’s browser history. We recommend googling your “phone type + clear browsing cache” to find step-by-step directions to do so, as the process is different for each phone provider and version.

Online Banking

Signing up is simple! Visit the Spero Financial homepage, select the “Login” button, and click the "Enroll Now" button. Follow the instructions to complete your registration.
You will need your Social Security Number, Member Account Number, Birth Date, and a valid email address.
Log into MONEYLINKSM Online. Click the Gear icon (Services & Settings) in the top right navigation. Under the Preferences section, click View Statements.
Please contact our Member Solutions Center at (800) 922-0446 so that we can reset your account.
The first step in setting up an External Transfer in Online Banking is adding and validating an external account. Check out these step-by-step guides.
External Transfer Video Guide
External Transfer PDF Guide

Online Loan Pay

Visa® and Mastercard® debit cards are accepted. Please note that Spero debit cards are not accepted – instead, members are encouraged to make an internal funds transfer within MONEYLINKSM Online to easily make your loan payment at no cost.
If payments are made by 5:00PM EST, they will be processed same-day.
Yes! Up to (3) three loans can be paid in a single transaction.
If you need to cancel a payment, please contact our Member Solutions Center at (800) 922-0446.
Yes! However, please contact our Member Solutions Center at (800) 922-0446 or your local branch to confirm payoff amount – as the amount may differ from what is displayed in the Online Loan Pay platform. Once confirmed, log into Online Loan Pay to make the payment. Note: The platform allows a payment up to $2,500.
You can make a loan payment up $2,500. There is no minimum amount.
When making a payment with an ACH transaction, you can schedule a payment to process at a future date or set up recurring payments. This feature is not currently available for payments made by debit card.
Spero Financial loans that can be paid within Online Loan Pay include mortgages, credit card payments, share or certificate secured loans, auto/boat/RV/motorcycle loans, personal loans, home equity lines of credit, and overdraft lines of credit. Business loans cannot be made through Online Loan Pay. Please continue to make payments for these loan types by following instructions received at loan closing. If you should have any questions, contact us at 800.922.0446.
Once logged in, eligible loans associated with your Spero account will display for you to make a loan payment. You will be able to select the loan based on a brief descriptor and the last two digits of your member number + two-digit loan number. For example, "PERSONAL LOAN ending in 1201."
Descriptor Loan Types
SECURED New/Use Auto, New/Used RV, New/Used Boat Motorcycle, Share/Certificate Secured, Secured Personal Other Collateral
R. ESTATE LOAN Lot Loans, Home Equity, HELOC 2-7 Yr ARM, Construction Loan, 7-10 Yr Balloon Other Real Estate Loans (not 1st Mortgage)
PERSONAL Personal Loan
OVERDRAFT LOC Overdraft Lines of Credit
To register, you will need to have a valid email address and the following information as the primary account holder: Spero Financial member number, last four digits of your social security number, and your date of birth. Once registered, you can login using your established username and password.
With Express Pay, you do not have to create a username nor password. It is designed for a one-time payment, so your Online Loan Pay history will not be stored. By registering, setting up a username and password, Online Loan Pay will store your payment history and allow you to set up recurring ACH payments.
To make an ACH transaction, you will need to follow the prompts to validate the account you are pulling the funds from. For a step-by-step guide, watch this short video. If you're a Registered User, any new account will be validated the first time and then saved in your profile for future use. If you're an Express User, the account used to make the payment must be validated each time a payment is made. Please note that Online Loan Pay will not accept an ACH payment from a Spero account - instead, members are encouraged to make an internal funds transfer within MONEYLINKSM Online to easily make your loan payment at no cost.

Save to Win

Save to Win is a prize-linked savings share certificate account that offers the chance to win prizes in addition to earning regular dividends. It requires a small opening deposit of $25 and allows unlimited number of deposits during the 12-month term.
The goal of the Save to Win account is to foster a regular habit of saving among accountholders. The more one saves ; the more opportunity one has to win. For every $25 deposit, an accountholder earns one entry into the monthly and quarterly prize drawings. There is no minimum number of deposits required, but there is a maximum of 100 entries per month/300 entries per quarter per member.
Account holders must be a member of Spero Financial and open the account with one of our branch member representatives.
In order to participate in the raffle and be eligible to win prizes, your account must be open through the drawing period and all participants must be at least of sufficient age to enter into a binding contract (18 in most states), a resident of a state in which the principal place of business of one or more participating credit unions is located and be a member with a regular share account (the account which qualifies the individual for membership), in good standing in the participating credit union.
No. The rules state that the account is available only to members age 18 or older. Children may not be primary or joint accountholders on a Save to Win account.
Credit union employees and board members are not eligible to receive central drawing prizes (this includes joint ownership). Credit union employees and board members are eligible for a separate drawing conducted by the Credit Union quarterly.
A member is limited to one account per person per participating credit union.
There is a $25 minimum balance requirement to keep the account open.
No, there are no monthly service fees for this account.
Yes. The Save to Win account needs to be kept open for 12 months. There are penalties for early withdrawal, including account closure.
Yes. Account holders are permitted to make one withdrawal during the 12-month certificate term for a $25 fee and must leave at least $25 in the account to keep it open. If a second withdrawal occurs, the account will be closed.
No. A participating member may make a maximum of one (1) withdrawal from the Save to Win account during any twelve (12) month period, with an early withdrawal penalty fee of $25. More than one (1) withdrawal within any twelve (12) month period will result in the disqualification of the participating member’s Save to Win account from consideration for subsequent prizes, the forfeiture by participating member of all entries for prizes, and the closure of the Save to Win account.
Accounts must be kept open through the drawing period in order for account holders to be eligible for prizes. For example, the drawings are performed on the 14th day of each month for the previous month's transactions. In order to be eligible for the current drawing, your account must be open through the last day of the previous month.
No. Save to Win is only available for personal accounts.
The Save to Win share certificate offers account holders the opportunity to win monthly and quarterly cash prizes from the central drawing. Click here for a complete list of prizes for a complete list of prizes. Spero Financial also offers quarterly drawings totaling $1,300 annually, including two (2) $100 cash prize, two ($50) cash prize, and one (1) $25 cash prize. Each prize is deposited into the winner's primary share account.
A member is limited to winning one central prize and one Spero Financial quarterly prize per drawing period. A participating member is eligible to win both a central prize and a quarterly prize in the same drawing period. A participating member can win in multiple months/quarters and even in consecutive months/quarters.
Prize winnings will be deposited into the member regular share account. Spero Financial will notify the winner via USPS mail within 14 days of month-end.
Yes, each winner is responsible for reporting and paying applicable state and federal taxes for monthly and quarterly prizes. Spero Financial will provide participating members winning prizes equal to or more than $600 for the given tax year with an IRS 1099 MISC form.
Members will receive one entry in the monthly drawing for every $25 increase in month over month balance, up to a maximum of 100 entries per month. Each monthly entry is also entered into the quarterly prize drawing, up to a maximum of 300 entries per quarter.
No. The number of entries is based on the increase in a member’s month-over-month balance. If a member deposits $100 in a given month then withdraws that amount in the same month, the member will not receive any entries for that drawing period.
Since there is no rounding up, the member would receive one entry for that month’s drawing.
Yes, accounts should be set up by your credit union to automatically renew after 12 months.
Members can withdrawal money from their Save to Win share certificate at maturity during their grace period without being assessed a penalty, as long as they leave at least $25 in the account to keep it open. Members also have the option to withdraw all of their money and close the account at this time without being assessed a penalty fee.
If a member withdraws more money than they deposit at maturity or anytime during the 12 month term, they will not earn entries for that drawing period. Entries are only earned when the month-over-month balance increases.
Actual odds of winning are based upon the number of eligible entries received. For each eligible entry the chance of winning monthly prizes is equal to that of all other entries in the raffle. Spero Financial also performs a quarterly drawing of five prizes: two (2) $100 prizes, two (2) $50 prizes, and one (1) $25 prize that each eligible entry has a chance at winning each quarter and is equal to that of all entries in the raffle.
The more deposits you make, the more entries you will earn toward the monthly and quarterly drawings.
You can pick it up at your nearby Spero Financial branch or download a PDF by visiting the Save to Win account page and selecting "Account Terms and Conditions".


Yes. We use advanced security measures and tools to help keep our website secure. We also use encryption technology for communications that contain your confidential information.
We will never send you an e-mail asking you to provide personal or account information such as your account passwords, Social Security numbers, PINs, credit or debit numbers, or other confidential information. If you receive an email posing to be from us that asks for this type of information, please contact us immediately at (800) 922-0446.
If you think the information Spero Financial has provided to credit reporting agencies for your account(s) is inaccurate, please mail your signed dispute to: Spero Financial, Attn: Credit Dispute, PO Box 10708, Greenville, SC 29603. To ensure your dispute is processed in accordance with the Fair Credit Reporting Act, your dispute must include the following:
  • Sufficient information to identify the account that is in dispute, such as an account number and your name, address, and telephone number
  • The specific information you are disputing and an explanation of the basis of your dispute; and
  • All supporting documentation such as a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, receipts for proof of payment, a police report, a fraud or identity theft affidavit, a court order, or account statements.
  • Dispute must be hand-signed with an ink pen by the member.
During business hours, please contact us via a MONEYLINKSM Online Banking secure message or call our Member Solutions Center at (800) 922-0446. You may also report debit card fraud by contacting (833) 462-0798.
For credit cards, please call 1 (800) 449-7728. For debit cards, please call 1 (833) 462-0798. These services are available 24/7.
Your money is safe at Spero. Your deposits are insured by the National Credit Union Administration, up to $250,000. Calculate your coverage using this insurance estimator tool.

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