Frequently Asked Questions
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Checking Accounts
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.
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.
An overdraft limit is the amount up to which Spero Financial will generally pay transactions that exceed the available funds in your account.
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.
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.
You may re-order checks from Harland Clarke, our preferred provider, by visiting www.OrderMyChecks.com. 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.
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 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.
Student Spend
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.
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.
Debit Card & ATMs
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.
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 800.918.7313 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.
Digital Wallet
The latest two versions of Edge, Safari, Chrome, and FireFox.
Some merchants may prompt you to enter a PIN when using your digital wallet in-store.
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.
Yes, you can add your Spero card to multiple Digital Wallets on devices that belong to you.
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 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.
Yes, you can use your card on your smart watch to make purchases. (How’s that for convenience!)
You can add your Spero card to your digital wallet after you receive your physical card in the mail and activate it.
No, there are no additional fees associated with using your debit card in digital wallet.
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.
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.
Call our fraud department as soon as possible. Click here for fraud department numbers.
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.
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.
Apple Pay, Google Pay, & Samsung Pay
Your Spero credit and debit cards can be added to your 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.
Fraud Alerts
Simply reply STOP to any text alert to opt-out.
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 49447.
No! It’s free.
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.
Investments
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.
Pinnacle Wealth Management will advise you based on the type of investment you select.
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.
A Pinnacle Advisor will provide instructions when confirming your appointment.
You may contact Pinnacle Wealth Management by phone, email, or online. Learn more here.
Loans
At your earliest convenience, please: 1) List Spero Financial as the lienholder on your auto insurance policy 2) Verify that you have comprehensive and collision coverage with deductibles no more than $1,000 3) Mail proof of insurance to Spero Financial, ATTN: National Service Center, PO Box 924408, Fort Worth, TX 76124
Yes! To get pre-approved, please complete our online mortgage application. Once submitted, a lending specialist will be in touch. Learn More about mortgages
Yes! Click here to learn more.
Spero Financial offers many convenient options for making your loan payment. Explore all the options here.
View the current rates here.
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.
Members
Yes, please create a Travel Notice in Digital Banking before you leave. To do so, in the Quick Links widget on the dashboard, select "Travel Notice". Follow the prompts. 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.
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.
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.
Log into Digital Banking to access your statement history. Select "View Statements" in the top navigation. 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.
In Digital Banking, select the "Profile" icon. Under Profile, you can edit your contact information including your email, phone number, and address. Any information that is updated must be verified in order to be used for multi-factor authentication. You may also call our Member Solutions Center at (800) 922-0446.
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.
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.
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.
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!
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.
Digital Banking Reimagined
You asked, and we listened! Beyond the new, sleek, user-friendly experience, our new platform offers:
- An upgraded experience and features across all devices (phone, tablet, and computer)
- Enhanced financial management tools, such as savings goals and spending tracking
- Free credit score and credit report monitoring
- New debit and credit card controls
- Expanded loan payment options and Skip-A-Pay self-service capabilities
- FREE Bill Pay and Money Transfers for standard delivery
- And much more!
Digital Banking | What's Changing
All account alerts and debit/credit card alerts must be re-established in the new platform.
When logging in for the first-time, you will be prompted to set a new password. You can use your existing Digital Banking password as long as it meets the password criteria. Here are some additional tips to consider when setting up your new password:
- Do not use a password that contains any substring of your first name, middle name, last name, username, or member ID
- Must have between 8-32 characters
- Must contain at least one number, one uppercase letter, and one special character
- If you are signed-up for paper statements, they will continue to be mailed as they are now.
- If you are currently signed-up for eStatements, these will automatically display in the upgraded platform.
- An email notification will not be sent when eStatements are ready to view. Watch this video to see how you can access them directly in Digital Banking.
- eStatements will be posted in Digital Banking typically by the 5th day of the month but no later than the 10th day of the month.
- Beginning August 27, 2024, Text Banking will no longer be available.
- Great News! While text banking will no longer be available, you will now be able to set up daily text alerts in the upgraded platform for things such as your account balances and more.
- Please download the Spero Mobile Banking App for 24/7 account access. You may also call MONEYLINK Telephone Banking for account balances at 800-633-4364.
- The Digital Banking upgrade will require you to make changes to your QuickBooks or Quicken software. Please take the below actions to ensure a smooth transition.
- 1st Action Date > Complete BEFORE August 26, 2024 at 3PM: A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date, as transaction history may not be available after this date. Reference the instructions below for step-by-step guidance. The instructions outline the actions to take by the 1st Action Date.
- Complete AFTER August 27, 2024 at 10:30AM: Complete the deactivation and the reactivation of your digital banking connection to ensure your current Quicken or QuickBooks accounts are set up with the new connection. Reference the instructions below for step-by-step guidance. The instructions outline the actions to take by the 2nd Action Date.
- Click for step-by-step Instructions: Quicken | QuickBooks Desktop | QuickBooks Online
- If you are a MINT-User: Mint services may be interrupted for up to 5 business days. Mint.com data is stored on Intuit cloud servers. Data is updated with every change and cannot restore data to a previous point in time. For a successful account update, do not log into your Mint.com until 5 business days AFTER August 27, 2024. During this time, the Mint.com server will automatically make the system conversion for your activated accounts. If you log in to Mint.com during this time, you may see duplicate accounts or an error displayed. Please do not attempt to change the status or make any changes in Mint.com during this time. After 5 business days, the accounts should reconcile showing your transaction history available. In the event your accounts do not display current transactions after 5 business days, you may log back into Mint.com and click the refresh icon to update the account. After the download completes, click the Transactions tab to view up to 90 days of transaction history.
Routing and account numbers are not changing. ACH/direct deposits will not be impacted.
- If an account was named before May 13, 2024, the nickname will automatically be visible in the upgraded platform.
- If an account was named on or after May 13, 2024, you will need to re-establish the nickname in the upgraded platform.
- Unfortunately, account categories will not transition to the upgraded platform. Spero's Spend Analysis tool will now be provided by Yodlee, which determines the category names. Great news! You do have the ability to select the category for each transaction by selecting from the pre-defined category list. There are 58 categories to choose from.
- You can also use customizable tags for each transaction to help you easily "search" the transaction. The tag will also be listed in the transaction detail.
- If you are the primary or joint account holder, your linked Spero accounts will automatically be visible in the upgraded platform. For example, if you are a joint account holder on family member's account, this account will now be visible in your Digital Banking dashboard. If you prefer not to see this account, you can customize your dashboard to "hide" the account. Watch this video for step-by-step guidance.
- If you are not the primary or joint account holder, you will need to re-establish other Spero linked accounts in the upgraded platform.
- If Bill Payee is a company/organization, scheduled payments and payment history will automatically move over to the upgraded platform.
- If Bill Payee is an individual, you will need to re-establish the payee and scheduled payments in the upgraded platform. Bill payment history will not be available.
- Great News! Bill Pay with standard delivery will be free!
- If you currently use eBills, you will need to re-enroll in eBills on the upgraded platform. This is due to eBill services being linked to third-party service providers such as utility companies, etc.
- All recurring scheduled transfers will automatically move over to the upgraded platform, except Spero member to Spero member recurring scheduled transfers.
- If you currently have a recurring scheduled transfer set up to go to another Spero member, you will need to re-establish this transfer in the upgraded platform.
- All external accounts established for external transfers will automatically move over to the upgraded platform.
- The upgraded platform does not support the ability to stop recurring scheduled payments once a designated dollar amount has been hit. If you currently have a recurring scheduled transfer set up to stop at a certain dollar amount, you will need to adjust this scheduled transfer in the upgraded platform to ensure it does not continue to occur after the designated amount is reached.
- Great News! Outbound external transfers for standard delivery will be free!
- For Apple users, the app should automatically update on August 27, 2024 if you has automatic updates setup. If the update does not happen automatically, you can force update the app by going into the App Store. Users will have to re-enable biometrics.
- Android users must delete the current app and install the new one on August 27, 2024 after 10:30AM. Users will have to re-enable biometrics.
Business Digital Banking Reimagined
- Step One: To sign on for the first time, you will need to register as a new business user. On the login screen, select "Register with Online Banking".
- Step Two: Select "Register as a Business", then it will prompt you to input your Business Tax ID (or Owner's SSN if no TIN exist), Business Member Number, and Zip Code on-file for your business.
- Step Three: After inputting the information, complete the authentication step. Select your preferred method. The validation methods utilize your information that is already on-file for your business.
- Step Four: Once you’ve validated your account, you’ll create a new username and password.
- Step Five: Read and accept the Digital Banking Agreement.
The latest two versions of Edge, Safari, Chrome, and FireFox.
The new platform offers a range of advanced features designed to give you a greater control and flexibility, including:
- Enhanced User Management: You can easily add, modify, or remove users and set customized permissions.
- Improved Functionality: A streamlined interface for more efficient transactions, including Skip-A-Pay, ACH/Check Stop Payments, Card Controls, Overdraft Selection, and more.
- Greater Security: More advanced security measures to better protect your business accounts.
Business Digital Banking | What's Changing
- For Apple users, the app should automatically update on August 27, 2024 if you has automatic updates setup. If the update does not happen automatically, you can force update the app by going into the App Store. Users will have to re-enable biometrics.
- Android users must delete the current app and install the new one on August 27, 2024 after 10:30AM. Users will have to re-enable biometrics.
- As the owner of your business (or primary authorized user on the account), you are your company’s administrator for Digital Banking.
- This means you may assign Digital Banking access to other individuals in your business by creating user roles and permissions. This gives you full control on how individuals in your business access accounts and use the features in the platform.
- View this step-by-step Guide on how to create roles and add new users.
- Please note: If individuals at your business currently have credentials to Spero's Digital Banking, these credentials will no longer be valid on August 27, 2024. You must create roles and add new users in order for them to have access in the new platform.
- Beginning August 27, 2024, Text Banking will no longer be available.
- Great News! While text banking will no longer be available, you will now be able to set up daily text alerts in the upgraded platform for things such as your account balances and more.
- Please download the Spero Mobile Banking App for 24/7 account access. You may also call MONEYLINK Telephone Banking for account balances at 800-633-4364.
All account alerts and debit/credit card alerts must be re-established in the new platform.
- Account nicknames must be re-established in the new platform.
- Spero's Spend Analysis tool will now be provided by Yodlee, which determines the transaction category names. Great news! You do have the ability to select the category for each transaction by selecting from the pre-defined category list. There are 58 categories to choose from. These categories will flow directly into the Spend Analysis tool for budget management.
- You can also use customizable tags for each transaction to help you easily "search" the transaction. The tag will also be listed in the transaction detail.
Routing and account numbers are not changing. ACH payments will not be impacted.
When registering, you will be prompted to set a new username and password. You can use your existing Digital Banking username and password as long as it meets the criteria. Here are some additional tips to consider when setting up your password:
- Do not use a password that contains any substring of your first name, middle name, last name, username, or member ID
- Must have between 8-32 characters
- Must contain at least one number, one uppercase letter, and one special character
- If you prefer to receive eStatements, you must opt in to eStatements in the new platform. By doing so, you will avoid the paper statement cost. Do this by selecting "View My Statements" and switching the toggle to "Online Statements Only".
- An email notification will not be sent when eStatements are ready to view. Watch this video to see how you can access them directly in Digital Banking.
- eStatements will be posted in Digital Banking typically by the 5th day of the month but no later than the 10th day of the month.
- All recurring scheduled transfers will need to be re-established in the new platform.
- All external accounts established for external transfers will need to be re-established in the new platform.
- Great News! Outbound external transfers for standard delivery will now be free!
- All Bill Pay scheduled payments and bill payees must be re-established in the new platform.
- Please pull any bill payment history from the current Digital Banking platform by August 26 at 3PM ET.
- Great News! Bill Pay with standard delivery will now be free!
- If you currently use eBills, you will need to re-enroll in eBills on the upgraded platform. This is due to eBill services being linked to third-party service providers such as utility companies, etc.
- The Digital Banking upgrade will require you to make changes to your QuickBooks or Quicken software. Please take the below actions to ensure a smooth transition.
- 1st Action Date > Complete BEFORE August 26, 2024 at 3PM: A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date, as transaction history may not be available after this date. Reference the instructions below for step-by-step guidance. The instructions outline the actions to take by the 1st Action Date.
- Complete AFTER August 27, 2024 at 10:30AM: Complete the deactivation and the reactivation of your digital banking connection to ensure your current Quicken or QuickBooks accounts are set up with the new connection. Reference the instructions below for step-by-step guidance. The instructions outline the actions to take by the 2nd Action Date.
- Click for step-by-step Instructions: Quicken | QuickBooks Desktop | QuickBooks Online
- If you are a MINT-User: Mint services may be interrupted for up to 5 business days. Mint.com data is stored on Intuit cloud servers. Data is updated with every change and cannot restore data to a previous point in time. For a successful account update, do not log into your Mint.com until 5 business days AFTER August 27, 2024. During this time, the Mint.com server will automatically make the system conversion for your activated accounts. If you log in to Mint.com during this time, you may see duplicate accounts or an error displayed. Please do not attempt to change the status or make any changes in Mint.com during this time. After 5 business days, the accounts should reconcile showing your transaction history available. In the event your accounts do not display current transactions after 5 business days, you may log back into Mint.com and click the refresh icon to update the account. After the download completes, click the Transactions tab to view up to 90 days of transaction history.
Digital Banking
- Visit Spero's Digital Banking landing page for a full list of features and tutorial videos for navigating Digital Banking.
- Once registered for Digital Banking, access the Search Bar for step-by-step instructions for every feature in the platform.
Open the Spero Mobile Banking App. Click to toggle on the "Enable Face ID Authentication" option on the Login page. Put in your Username and Password. Upon logging in, you will receive a "Face ID Enabled" message to confirm the biometrics have been successfully setup. When logging in the next time, the Mobile App will automatically log them in based on the Face ID Authentication.
Yes! Select the "Profile" icon. Under Security, select "authentication" and turn the toggle on. If you wish to turn off this feature, you can simply turn the toggle off.
Move money between Spero Financial accounts or make external transfers to other financial institutions. Make a Transfer Watch this step-by-step video. Add an External Transfer Account Watch this video to learn how.
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.
If you receive the Error message “Your Username 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. 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.
If you have enrolled in Digital Banking: Download the Spero Mobile Banking app from the App Store on your mobile device. Enter the same username and passcode you use to sign in. If you have not enrolled in Digital Banking: Download the Spero Mobile Banking app from the App Store on your mobile device. Select “Register Now” and follow the prompts. The credentials you create can also be used by accessing Digital Banking on your computer.
Please contact our Member Solutions Center at (800) 922-0446 so that we can reset your account.
Log into Digital Banking. Click View my Statements in the top right navigation. Turn the toggle on to receive statements electronically. Watch this step-by-step video.
You will need your first name, last name, full social security number, date of birth, and member number. Watch this step-by-step video.
- Select the "Login" button on the Spero website's homepage.
- Select "Register for Digital Banking".
- Enter your first name, last name, full social security number, date of birth, and member number.
- After inputting the information, you must complete an authentication step. A validation code will be sent to you via Text Message, Email, or Voice Call. You can select which method you prefer. The validation methods utilize your information already on file.
- Once validated, you'll input your preferred username and password and hit "Register".
- Read and accept the Digital Banking Agreement.
Watch this step-by-step video.
Yes! In Digital Banking, you may move money between Spero Financial accounts or make external transfers to other financial institutions. First, you will need to add an external transfer account in Digital Banking. Then, you can make an external transfer. Learn more.
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.
Checks deposited before 4:15 PM EST/EDT will typically be available in your account the following business day - excluding holds.
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.).
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.
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.
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 and write "For Mobile Deposit Only to Spero Financial" on the back of their check.
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.
Log in to the Spero Mobile Banking app. Choose Deposit from the Menu and follow the prompts. Watch this step-by-step tutorial video.
Online Loan Pay
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.
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 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.
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 | ||
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.
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.
You can make a loan payment up $2,500. There is no minimum amount.
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.
If you need to cancel a payment, please contact our Member Solutions Center at (800) 922-0446.
Yes! Up to (3) three loans can be paid in a single transaction.
If payments are made by 5:00PM EST, they will be processed same-day.
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.
Save to Win
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".
The more deposits you make, the more entries you will earn toward the monthly and quarterly drawings.
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.
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.
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.
Yes, accounts should be set up by your credit union to automatically renew after 12 months.
Since there is no rounding up, the member would receive one entry for that month’s drawing.
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.
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.
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.
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.
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.
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.
No. Save to Win is only available for personal accounts.
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. 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.
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.
Yes. The Save to Win account needs to be kept open for 12 months. There are penalties for early withdrawal, including account closure.
No, there are no monthly service fees for this account.
There is a $25 minimum balance requirement to keep the account open.
A member is limited to one account per person per participating credit union.
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.
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.
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.
Account holders must be a member of Spero Financial and open the account with one of our branch member representatives.
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.
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.
Security
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.
For credit cards, please call 1 (800) 449-7728. For debit cards, please call 1 (833) 462-0798. These services are available 24/7.
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.
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.
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.
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.
TellerLink
Yes! Simply click on the screen to connect with a teller. He/she will then ask you to scan your ID to verify your identity and membership.
Yes! You can perform normal transactions (including making a deposit) by simply inserting your Spero debit card and following the prompts. If you prefer to speak with a teller, simply click on the screen and you will be connected!
Yes! The team is housed at our Greenville headquarters on Park Avenue.
No, for rolled coin or coin deposits/withdrawals, please go inside the branch.
No, in fact, you may even recognize a few familiar faces from your local branch, as we are providing our current staff more opportunities to service our members via this new technology!
Yes, just as an ATM, TellerLink uses state of the art security features to protect you and your accounts. Plus, if you are uncomfortable with sharing sensitive information verbally, you can use the earphone jack located at the bottom right of the machine or use the on-screen chat feature to respond to the TellerLink representative.
This technology allows you to conduct teller transactions via video conferencing with a Spero teller (think using FaceTime® with your favorite teller) if you choose. If you rather not talk with a TellerLink representative, simply use it as an ATM.