Digital Banking

You can find this on your SPIRE member card or at the bottom of your checks. It is the last 4-6 digits of the MICR number on your check.

Your password must be at least 12 characters long and include:
An uppercase letter
A lowercase letter
A number
A special character/punctuation

To verify your identity, you will need to know your SPIRE member number and Social Security Number.

You will also need to know at least one of the following pieces of information:
Email Address on file
Zip Code on file
Last six digits of your SPIRE debit card

If you feel the information we have on file for you is incorrect, Request to Update Your Contact Information.
If you still can't login, please contact us.

Yes, though we recommend using your mobile device’s web browser or a desktop/laptop computer for your first login to SPIRE Digital Banking.

If you have a Tax Identification Number (TIN) for your business: You will need to set up access to both your personal and business accounts separately.

If you do not have a TIN and use your personal Social Security Number for your business: You will only need to create one username. You will see all of your personal and business accounts together under a single username.

It is a six-digit code sent to you by email, text message, or phone call to assist in verifying your identity. This helps keep your accounts safe from fraudsters.

There are three ways to secure your accounts to help keep them safe from fraudsters based on the features your mobile device provides.

Face ID, Touch ID, and Fingerprint (Biometrics) on Your Mobile Device
The latest mobile devices include Face ID or Touch ID (Apple devices) and Fingerprint (Android devices). When asked, you can choose to enable this feature to login to SPIRE Digital Banking from the SPIRE Mobile app.  This is something SPIRE recommends if it is available on your device.

Mobile Device Passcode
You can also choose to use your mobile device's passcode to login to SPIRE Digital Banking from the SPIRE Mobile app. This is the same code you would use to unlock your mobile device.

SPIRE Mobile App PIN
The last option to secure your accounts is to set a PIN specific to the SPIRE Mobile app. On devices that don't provide Face ID, Touch ID, or Fingerprint, you will be prompted to enroll in PIN Login.  If you select “Not Now,” this will dismiss the PIN Login Enrollment screen.  This enrollment screen will not display again so it is best to set the PIN when asked.  If you wish to turn on PIN at a later time, you will need to select Settings in the SPIRE Mobile app.

Choosing to remember a device allows SPIRE Digital Banking to identify it in the future to help you login more quickly. Do not select to remember a device if it is a shared device (i.e. a public/work computer or you allow others to use your device).

Multi-factor Authentication (MFA) or Two-factor Authentication is used to verify your identity to help keep your accounts safe from potential fraudsters.
When enabled, at least two pieces of information are required at each login (i.e. your username, password, and a code sent to an email address or phone number we have on file for your account).

To turn MFA on or off, select Settings in SPIRE Digital Banking. Then, select the Security tab.

Here are some troubleshooting tips to help you log in to SPIRE Digital Banking. Please make sure you are using one of our supported devices and Internet browsers. If you still can't login, please contact us.

I am using an Internet browser to access SPIRE Digital Banking
Are you using the latest version of your Internet browser? If not, try logging in after it has been updated.
Are you still using Internet Explorer (IE)? This browser is no longer supported by Microsoft. Please update to Microsoft Edge or use a different browser.
Try clearing your browser's history/cache.
Are you sure your username and/or password are correct? If not, here's how to retrieve them.

I am using the SPIRE Mobile App
Are you using your device's latest software update? If not, try logging in after you've updated to the latest operating system.
Is your mobile app version up to date? If not, try logging in after you've updated the app.
Are you sure your username and/or password are correct? If not, here's how to retrieve them.
If you still can't get in, try deleting and reinstalling the SPIRE Mobile app.

Go to myspire.com and select the Forgot Password link in the Digital Banking Login box. Follow the steps to reset your password and you should be able to login.

Go to myspire.com and select the Forgot Username or Forgot Password link in the Digital Banking Login box.

To retrieve your username and/or reset your password, you will need to know your SPIRE member number and Social Security Number.

You will also need to know at least one of the following pieces of information:
Email Address on file
Zip Code on file
Last six digits of your SPIRE debit card

Account & Debit Card Notifications
Select Notifications in Settings.
If you would like to receive text or push notifications to your mobile device, you will also want to add a mobile phone number under the Contact tab in Settings. Then, select to allow SMS text messages for that number. To validate your mobile number, you will receive a code via text.

Credit Card Notifications
Credit card notifications are coming soon to SPIRE Digital Banking. In the meantime, you can set them up here.

I am using an Internet browser to access SPIRE Digital Banking:
Select Transfers from the menu.
Select the SPIRE account you want to transfer money from.
Then, select the Transfer money to another SPIRE Credit Union member link.
You will need to know the member or business' name and member number.
To use this account in the future, select the Save account for future use checkbox. The account will appear in the To Account field next time.

I am using the SPIRE Mobile app:
Select Transfers from the menu.
Select the SPIRE account you want to transfer money from.
Then, select Add Account from the top right corner of the screen.
From the Internal Account screen, enter the member or business' name and member number.
To use this account in the future, select the Save account for future use checkbox. The account will appear in the To Account list next time.

I am using an Internet browser to access SPIRE Digital Banking:
Select Transfers from the menu.
Select the SPIRE account you want to transfer money from.
Then, select the Add an External Account link.
You will need to know the routing and account numbers.
To use this account in the future, select the Save account for future use checkbox. The account will appear in the To Account field next time.

I am using the SPIRE Mobile app:
Select Transfers from the menu.
Select the SPIRE account you want to transfer money from.
Then, select Add Account from the top right corner of the screen.
Select the External Account tab.
You will need to know the routing and account numbers.
To use this account in the future, select the Save account for future use checkbox. The account will appear in the To Account list next time.

From the Accounts screen, select the Pay button next to your loan.
Select the SPIRE account you want to transfer money from.
Enter the amount and date of your payment.
To set up a reoccurring payment, choose the frequency of the payment. You can choose a specific amount to be paid regularly or select Minimum Payment and the minimum payment due each month will be automatically paid.

Standard transfer limits are $2,500 daily for outgoing transfers, $5,000 daily for incoming transfers, and $15,000 monthly.  If you need to request a transfer limit increase, please contact us.

It is likely that this transfer was not originally set up in SPIRE Digital Banking.  Please contact us for assistance.

Login to SPIRE Digital Banking and select BillPay from the main menu.

Yes, You must have a SPIRE checking account and have a United States home address.

Electronic payments clear the day they post to your account.  If the payee has not received the payment but it was withdrawn from your account, please contact us.

To see if your BillPay check has cleared with the payee, double-click on the debit transaction in digital banking to expand.  If the check has cleared, you will then see a hyperlink showing View Check Image.  If the check has not been received by the payee, please contact us for further assistance.

Not all payees are eligible for e-bill.  It is up to the specific payee if they elect to opt into this service.  If your payee is eligible for e-bill but you are having trouble viewing your statement, please contact us.

Some payees have a default or preferred address on file with BillPay.  If this is the case, the address associated with this payee will automatically update and it will not be editable.

Not all payees are eligible for electronic payments.  It is important that you enter payee information correctly to ensure that an electronic eligible payee connects to that method.  Some payees may only be eligible for check payments.

Changes need to be made at least two business days prior to debit for electronic payments and four business days for check payments.  Changes to the payment or payee cannot be made if a payment is in pending status.

Standard BillPay limits are $10,000 daily and $100,000 monthly.  If you need to request a bill pay limit increase, please contact us.

Yes, though we recommend using your mobile device’s web browser or a desktop/laptop computer for your first login to SPIRE Digital Banking.

There are three ways to secure your accounts to help keep them safe from fraudsters based on the features your mobile device provides.

Face ID, Touch ID, and Fingerprint (Biometrics) on Your Mobile Device
The latest mobile devices include Face ID or Touch ID (Apple devices) and Fingerprint (Android devices). When asked, you can choose to enable this feature to login to SPIRE Digital Banking from the SPIRE Mobile app.  This is something SPIRE recommends if it is available on your device.

Mobile Device Passcode
You can also choose to use your mobile device's passcode to login to SPIRE Digital Banking from the SPIRE Mobile app. This is the same code you would use to unlock your mobile device.

SPIRE Mobile App PIN
The last option to secure your accounts is to set a PIN specific to the SPIRE Mobile app. On devices that don't provide Face ID, Touch ID, or Fingerprint, you will be prompted to enroll in PIN Login.  If you select “Not Now,” this will dismiss the PIN Login Enrollment screen.  This enrollment screen will not display again so it is best to set the PIN when asked.  If you wish to turn on PIN at a later time, you will need to select Settings in the SPIRE Mobile app.

Yes, MDC is available for all members – no need to qualify in advance.

On the transactions view of any account, click the Filter button next to the Search bar. You can filter by deposits, checks deposited remotely, withdrawals, and checks.

Standard mobile deposit limits are $5,000 daily and $15,000 every 30 days. If you need to request a mobile deposit limit increase, please contact us.

The Primary Accountholder is listed first on your statements and in SPIRE Digital Banking.

The account you are looking at was setup with only a Primary Accountholder.  We recommend that you and the Primary Accountholder visit your local branch so that you can be added as a Joint Accountholder and have access to your accounts through SPIRE Digital Banking.

You can share access to your accounts (accountants, family members, etc.) by selecting Shared Access in Settings.

Do not share your username and password. Those you grant access to will receive an email invite to create their own SPIRE Digital Banking username and password.

Shared Access does not include visibility to documents, statements, or BillPay at this time. 

Only the Primary Accountholder is able to view e-statements on SPIRE Digital Banking.

To view business statements, you must be logged into the business digital banking profile, not your individual profile.

If you do not have a TIN and use your personal Social Security Number for your business: You will only need to create one username. You will see all of your personal and business accounts together under a single username.

If you have a Tax Identification Number (TIN) for your business: You will need to set up access to both your personal and business accounts separately.

To verify your identity, you will need to know your SPIRE member number and EIN/TIN.
You will also need to know at least one of the following pieces of information:
Email Address on file
Zip Code on file
Last six digits of your SPIRE debit card

Yes, you can login to your accounts from either an Internet browser or the SPIRE Mobile app.
When logging in for the first time, we recommend using your mobile device’s web browser or a desktop/laptop computer.

No, currently businesses are not set up with the Share Access functionality.  More features will be available in the future.

Login to SPIRE Digital Banking using your business accounts profile.
Select Documents from the menu.
On the Overview tab, confirm your subscription to eStatements.
If your business is enrolled, select the Statements tab to view your eStatements.