- Personal
- Business
- Digital Banking
- Financial Wellness
- Community
Student Spend Account
Helping you learn to fly
Ready to spread your financial wings? Spero’s Student Spend account lets you take control of your money. It's totally free with no overdraft fees!
Here's how it works:
Spero's Student Spend account is designed for individuals who are 23 or younger or active students.* This account helps you learn how to balance and save. Plus, it's free!
As a student, you’ll get your own debit card and access to Digital Banking, so you can take ownership of your spending and start soaring financially.
Here's how it works:
Spero's Student Spend account is designed for individuals who are 23 or younger or active students.* This account helps you learn how to balance and save. Plus, it's free!
As a student, you’ll get your own debit card and access to Digital Banking so you can take ownership of your spending and start soaring financially.
Account Benefits
- $0 opening deposit
- Free account!
- No overdraft fees
- Waived paper statement fee
- Free debit card to make purchases
- Free access to Digital Banking
- Seamless transfers between Spero accounts
- Account alerts on low balances or large withdrawals
- Free financial education
- Eligibility to apply for Spero’s $3,000 College Scholarship
Student Spend FAQs
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.
ACCOUNT ACCESS
Make the Most of Your Money With Easy Account Access
It's your money. You should have access to it whenever you'd like!
Digital Banking
View balances, transfer funds, pay bills, set up security alerts, and more — and do it all from your computer or mobile device.
Electronic Statements
Access your monthly statements electronically through MONEYLINK Online.
TellerLink
Enjoy the personal connection with a teller, round-the-clock convenience, and an expanded range of member services.
Digital Wallet Compatible
Add your Spero debit card to your digital wallet for on-the-go convenience.
Together We Soar
Let's Reach Your Financial Goals!
Last, but not least:
*Student Spend Checking accounts are limited to one each per primary account holder’s social security number and are not offered on accounts with any other checking account type. Student Spend checking accounts are limited to individuals under 24 years of age or those actively enrolled in college or trade school. Documentation to confirm enrollment, such as your student ID or class schedule, is required to verify continued eligibility for the account. Once you reach the age of 24 or can no longer provide adequate documentation to confirm you are actively enrolled in college or trade school, your account will be converted to a Simply Checking account, and a Simply Checking cost, as outlined on the Fee Schedule, will apply.