Access your Money Worldwide

Make purchases with the money in your SPIRE account without the hassle of writing a check or carrying cash.  Simply present your debit card anywhere Visa® is accepted worldwide.  Your SPIRE Visa® Debit card also acts as your SPIRE ATM card.

Debit cards available at SPIRE branches

All qualified SPIRE checking and savings accounts may include a free debit card. Need to add a card your existing account? Simply stop by any SPIRE branch and leave with a debit card.

Find SPIRE Branches & ATMs


Your SPIRE debit card is also your ATM card

Enjoy free ATMs at all SPIRE locations, Kwik Trip, CHS Field plus CVS & Walgreens in Minnesota. Plus, you have access to 30,000 surcharge-free ATMs across the country. Use your debit card to make deposits in Minnesota where accepted.

Get cash back at participating retailers that offer this option at check out. Simply select “debit” and enter your PIN to take advantage of this free service. There is no limit to the number transactions you can make out of your checking account. However, transactions out of a savings account are limited to six per month. Click here for more details.

woman making credit card purchase online
Man swiping Spire VISA debit card at kiosk

Safely shop with ease

Use your SPIRE Visa® debit card for purchases in store or online. SPIRE provides additional safety and security when it comes to protecting your personal information. Standard SPIRE debit cards come with EMV chip technology which provides extra security.

With Visa®’s Zero Liability Policy you aren’t held responsible for unauthorized charges made with your account.

We recommend regularly monitoring your account and registering your Visa® card for online purchases for an added level of security. Never share your account information or PIN with anyone.

Setup real-time alerts to avoid fraud and easily manage your finances.


Debit card lost or stolen?

Please call 1.800.449.7728 immediately to report your card. This service is available 24 hours a day.

What are debit card holds?

When you use your debit card, if there are enough funds in your account to cover the transaction, an approval authorization is given by SPIRE. The balance in your checking account is reduced or “held” by the amount of the purchase; this is called a pre-authorization hold. The merchant determines the amount of the hold; SPIRE will determine the length of the hold. Typically the hold stays on your account until the funds are transferred to the merchant, up to three days. The funds on hold will not be available for withdrawal by ATM, teller transaction, check or ACH.

Debit card transactions are posted based on the available balance when it is presented for payment. Debit card transactions may clear your account at any time, any day of the week, including Saturday and Sunday.

Savings Only Visa® Debit Card Exception: Savings Only Visa® Debit Cards have lower daily spending and point of sale limits.

View your pending transactions online via Internet banking.

Pre-authorization hold example: The balance in your checking account is $1000. You use your debit card to make a grocery purchase for $100 and $50 at a department store. SPIRE places a hold on each transaction, so your available balance for future transactions would be $850.

Fee info and disclosure

Visa® debit card agreement & disclosure

Traveling with your debit card?

Call SPIRE before you leave if you are planning to use your SPIRE Visa® debit or credit card while traveling. Simply let us know where you will be and when, and we will note your account. For your protection, SPIRE has a security program in place that verifies you are making the transactions on your account.

SPIRE Visa® debit and credit cards are accepted at millions of merchants nationwide, wherever you see the Visa® logo.


Prefer to call? 651.215.3500 OR 888.34.SPIRE

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Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.

Contact SPIRE.

We are here to improve lives.

651.215.3500 or 888.34.SPIRE

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