Debit Card & ATMs
- 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.
This option is only available for Spero Financial Mastercard debit cards currently. Spero VISA credit cards are not eligible at this time.
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.
Call our debit card fraud department at 833-462-0798.
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 debit 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 debit card to multiple Digital Wallets on devices that belong to you.
- Online Loan Pay: Make same-day payments via our online loan payment center from accounts at a different financial institution.
- Internal Transfers: Transfer funds in MONEYLINKSM Online Banking from a Spero Financial account and apply it to the loan payment.
- Inbound External Transfers: Transfer funds in MONEYLINKSM Online Banking from an account at another financial institution and apply it to the loan payment.
- Recurring Payments: Set up recurring payments by giving us permission to pull funds from another account the same day each month.
- By Check: Pay by check at any Spero Financial location or mail payment to PO Box 10708, Greenville, SC 29603.
Mobile Banking App
Online Loan Pay
|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)|
|OVERDRAFT LOC||Overdraft Lines of Credit|
Save to Win
- 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.