Digital Banking Reimagined
The next level of financial control is headed your way. We’re upgrading our Digital Banking platform to make it easier than ever to manage your finances anytime, anywhere. And, in true Spero fashion, we’re giving away some serious cash to a few lucky members who log in to the new platform between August 27 and September 30! See all the details below.
Logging In for the First Time
When logging in to the Spero Digital Banking platform, you will be prompted to create a new password. You will need to provide your...
- Current Access ID
- Current Password
- Social Security Number
- Date of Birth
- Zip Code
Watch this video to get a glimpse of the first-time login experience.
Spero Mobile App Users
Android users will need to delete and re-download the Spero Mobile App. You can use the link below.
Apple users: The app should automatically update. If it does not, you can force the update in your App Store.
What Will Change + Stay the Same
- 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.
- 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.
Important Dates
Your upgraded Digital Banking experience is just around the corner. Check out these important dates and get ready for launch!
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Aug 20 @ 8AM
Cut-off to establish bill payments/payees.
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Aug 22 @ 4PM
Cut-off to schedule or create external transfers.
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Aug 26 @ 3PM
Cut-off for accessing Digital Banking. At this time, Digital Banking will be unavailable through August 27 after 10:30AM.
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Aug 27 after 10:30AM
Digital Banking goes live and is now available! Complete first-time login and download/update Spero Banking Mobile App.
Spero's upgraded experience makes digital banking quick and easy.
Upgraded experience across all devices
Enjoy a more cohesive digital banking experience on desktop and mobile.
Convenient, secure message center
Get easy access to the one-on-one attention you need to soar financially.
New debit and credit card controls
Swipe with confidence, knowing you're in control of every transaction.
Features for managing loans and accounts
Stay on top of your accounts and enjoy greater financial flexibility.
New financial tracking and savings tools
Keep your finances on track as you continue working toward your goals.
Free credit score reports and monitoring
Monitor your credit health with ease and make more informed financial decisions.
We're Celebrating With a $500 Giveaway!
An improved Digital Banking experience isn’t the only exciting thing coming your way. To add some fanfare to the launch, we’re hosting a giveaway where six lucky winners will get $500.
For a Chance to Win:
- Log in between August 27 and September 30.
- Set up your new password.
- Start enjoying more financial control.
Frequently Asked Questions
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!
Full Contest Details
NO PURCHASE NECESSARY. PURCHASE OR SIGNING UP FOR ANY SERVICES WILL NOT INCREASE CHANCES OF WINNING. MEMBERSHIP IS NOT REQUIRED TO PARTICIPATE IN THE PRIZE DRAWING.
PROMOTION ENTRIES: Automatic Entries: An eligible Spero Financial member in good standing will receive one (1) entry for logging into Spero Financial Digital Banking (Online Banking and/or Spero Mobile Banking App), starting Tuesday, August 27, 2024, at 10:30 AM ET through Monday, September 30, 2024, at 11:59 PM ET. Manual Entries: Spero Financial members and non-members who wish not to enroll/log in to Spero Financial Digital Banking may be entered for a chance to win by sending an email during the promotion period using the subject line: 2024 Digital Banking Giveaway to [email protected] and include your legal name, mailing address, and phone number.
PROMOTION PERIOD: The promotion starts at 10:30 AM on August 27, 2024, and ends at 11:59 PM on September 30, 2024. All times are Eastern Time and denote the time we receive your entry.
NUMBER OF ENTRIES: Automatic Entries: An eligible Spero Financial member in good standing will receive one (1) entry for logging into Spero Financial Digital Banking (Online Banking and/or Spero Mobile Banking App), starting Tuesday, August 27, 2024, at 10:30:00 AM ET through Monday, September 30, at 11:59:59 PM ET. Manual Entries: Manual entries are limited to one per eligible person, and the email must be timestamped and received by Spero Financial no later than 11:59:59 PM ET on September 30, 2024.
PRIZE DRAWING: Spero Financial will randomly select six (6) winners from qualified entries after the promotion period is over. Each winner will receive a $500 prize deposited into their Spero Financial checking account, if available. Otherwise, the prize will be deposited into any Spero account in the winner’s name, or a check will be issued at our discretion. The drawings will take place no later than Friday, October 18, 2024. The selection of a prize winner hereunder will be final. Winners do not have to be present to win.
ELIGIBILITY: At the time of the drawing, you must be 18 years of age or older, a U.S. Citizen or U.S. Lawful Permanent Resident, and have a mailing address located in the U.S. (applies to manual entrants who don’t have an account with Spero), and all accounts and loans with Spero Financial must be in good standing. All employees and volunteers of Spero Financial and their immediate family members residing in a single household are not eligible.
APPLICABLE LAWS & TAXES: Void where prohibited by law. All federal, state, and local laws and regulations apply. Prize winners are responsible for all federal, state, local, and other taxes or assessments that may be associated with or imposed upon the winner of any prize in this promotion.
ACCEPTANCE OF PRIZE: By accepting a prize, the winner consents to the use of their name and photograph or likeness for advertising and promotional services such as the CU’s newsletter, website, Twitter, Facebook, Instagram, etcetera without compensation. Failure of the entrant to follow the promotion rules will void the entry.
RELEASE OF CLAIMS: All winners, members of any winner’s household, relatives, and persons who use any prize awarded by Spero Financial and such person’s heirs, assigns, executors, and administrators release and exempt Spero Financial and its directors, officers, staff, agents, and volunteers from any and all claims, actions, demands, or damages which they have now or anytime in the future arising from use of any prize, including personal injury or death. Spero Financial is not responsible for lost, late, misdirected, or incomplete entries. Late, misdirected, or incomplete entries will be disqualified. If prize winnings are deposited to your account with Spero Financial, you understand and agree that anyone authorized to conduct transactions on said account will have unlimited access to the prize funds once the deposit is completed.