Skip a Trip to The Credit Union
Mobile Deposit
Say hello to the convenience of depositing checks as soon as you get them (and goodbye to all the extra trips to the credit union – though we do love seeing you).
Make a mobile check deposit in five easy steps.
If suspicious activity is detected on your Spero debit card or credit card, you'll receive a text message with transaction details. This added layer of protection gives you more control to respond conveniently to security alerts!
- Log in to the Spero Mobile Banking app.
- Tap Check Deposit on the home screen.
- Endorse the check properly. Add your signature and "For Mobile Deposit Only to Spero Financial" on the back of the check.
- Follow the prompts to snap photos of the front and back of your check.
- 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.
Mobile Deposit is available through the Spero Financial Mobile Banking App
Mobile Deposit FAQs
- 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.
Download the Spero Mobile Banking app
to access the mobile deposit feature.