Fraud Prevention

We are committed to protecting your identity and accounts.

We provide real-time alerts and 24-hour fraud monitoring for your SPIRE accounts, as well as a secure digital banking platform.

Take the Next Step

Report Fraud to SPIRE

If you provided account information or responded to a suspicious email or text message,
please contact us and say you think you were a victim of fraud.
We can help protect you and your accounts.

Report Suspicious Communication

Did you receive a text, email, or call from someone impersonating SPIRE that tried to get sensitive information from you?
Forward the email or take a screenshot of the text but do not click on any links.

More from SPIRE News

Don't Be Spoofed

Spoofing is when someone impersonates a reputable company. SPIRE will never ask for your password, verification code, PIN or other info by email, text or phone call.

Protect Yourself with Account Alerts

Setting up alerts to detect and prevent fraud has never been so easy. Know immediately when suspected fraud occurs to prevent it from getting out of control.

Protect Yourself from Online Loan Fraud

If a loan company is promising approval without a credit check, asking for a fee upfront or telling you they need access to your digital banking, it’s a scam.

Protect Yourself from Remote Access Fraud

Remote access lets someone login to your device and fraudsters can then take sensitive data and commit various types of frauds/scams against you.

Protect Yourself from Spoofed Websites: Always Use

One of the fastest growing scams is fraudulent or "spoof" websites. Make sure you always use to reach SPIRE.

Digital Spring Cleaning

It’s spring cleaning time, which is a good time to clean up your digital devices by performing some simple steps to help prevent fraud and identity theft.

Protect Yourself from Tax Identity Theft

Tax season is the time fraudsters ramp-up their efforts to steal your identity — and your return. Learn how to protect yourself and your money.

Protect Yourself from Pandemic Scams

Fraudsters are using COVID-19 to scam consumers including offering fake vaccines or home test kits, pretending to be contact tracers, and posing as charities.

Information Security Professional Shari Ziebell Joins SPIRE

20-year Information Security professional Shari Ziebell has joined the SPIRE team as Information Security Director.

Fraud Alert: Don't be Spoofed - Always Use

SPIRE was recently notified of a “spoofed” or “pharming” website that looks very similar to SPIRE’s real website. Make sure you always use to reach SPIRE.

Protect Yourself from Unemployment Scams

You are encouraged to watch your mail for notices from your local unemployment program of fraudulent applications for benefits due to a large-scale scam.

Protect Yourself from Mobile Payment Scams

Sending money from a mobile payment app or over social media is quick and easy. Make sure you are actually sending money to the people you intend to receive it.

Protect Yourself From Being Spoofed

Phishing, Vishing, & SMiShing: Emails, phone calls, and texts from fraudsters that look and sound like legitimate messages from reputable companies that try to steal your info.

Protect Yourself from Online Dating Scams

Have you chatted with someone online that asked you for money? It's probably a scam and they are most likely a fraudster.

Protect Your Credit by Freezing It

Stop thieves from opening credit cards, lines of credit, or loans in your name by freezing your credit report. It’s free and easy to setup.

Protect Yourself from Identity Theft

As part of International Fraud Awareness Week, we are sharing some of the current scams, ways to protect yourself from being a victim of fraud, and how SPIRE can help.

SPIRE Receives National Recognition for Combating Financial Crimes

SPIRE honored with a Certificate of Appreciation from the US Attorney’s Office and Department of Justice for exemplary efforts on combatting financial crimes.

Alerts Available!

Customize real-time activity alerts for your SPIRE accounts and Visa® Credit & Debit cards to avoid fees, fraud, overdrafts, and suspicious activity.

image of SPIRE mobile app on a smart phone

Always use or SPIRE Mobile App


To log into SPIRE Digital Banking, always go to
or the SPIRE Mobile app to ensure you are using a trusted and secure portal.

Only download apps from the Apple App or Google Play stores.
Apps from other app stores are often spoof apps designed to steal your identity.

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Set Up Account Alerts

Customize text, email, and push notifications
to keep tabs on your accounts in SPIRE Digital Banking.

Know when a transaction is made, a large sum is withdrawn, and more.

Select Alerts from the Alerts & Messages menu.

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Protect Your Identity

Never share account information. This includes
your digital banking login, account numbers,
social security number and PINs.

Do not provide personal information over the phone
unless you initiate contact and verify that it is a trusted source.

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Freeze Your Credit

A credit freeze limits access to your credit report
so no one can open new accounts until the freeze is lifted.

To be fully protected, you must place a freeze with
each of the three credit reporting agencies.
A credit freeze is free and can be temporarily lifted when you need it.
Credit Freeze FAQs from the Federal Trade Commission

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Secure Your Mail & Shred Documents

Place outgoing mail in a post office collection box.
If you plan on being away from home for more
than a couple days, have the US Post Office hold your mail.

Safely dispose of sensitive information. Shred any papers
that have personal or financial information.

SPIRE provides two shred days a years
with free shredding services for members.

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Know Common Scams

Know how fraudsters try to steal your identity so
you can better protect yourself and your accounts.

Learn About Fraud Scams

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You're Protected

Enjoy peace of mind with 24-hour fraud protection.
SPIRE monitors your accounts for suspicious activity
and we may send you fraud alerts if we spot anything unusual.

Shop with confidence with Visa’s Zero Liability Policy+.
Visa’s guarantee that you won't be held responsible
for unauthorized charges made with your account
or account information. You're protected if your Visa Credit
or Debit card is lost, stolen or fraudulently used, online or offline.

In addition to Visa’s identity theft alerts,
​SPIRE provides ID Theft Protection up to $10,000.


For Your Information

Under the Fair Credit Reporting Act (FCRA), you have the right to request a free credit report from the three main consumer reporting agencies - Equifax, Experian, and TransUnion. The only website authorized to give this free report is You can also request a copy by calling 1.877.322.8228.

To stay up-to-date with the latest fraud trends, we recommend visiting:

Federal Bureau of Investigation:

Federal Trade Commission:

+Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

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