SPIRE Visa Debit Card

With your SPIRE Visa Debit card, make purchases with the money in your SPIRE account without the hassle of writing a check or carrying cash.

Present your debit card anywhere Visa® is accepted worldwide. Your SPIRE Visa® Debit card also acts as your SPIRE ATM card.

Cash Back

Get cash back at participating retailers at checkout. 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.

Use Your SPIRE Debit Card at the ATM

Enjoy free ATMs at all SPIRE branch and Kwik Trip locations, CHS Field, as well as CVS, Target, and Walgreens locations in Minnesota. You also have access to 30,000 surcharge-free ATMs across the country.

ATM Information

Choose Your Card

SPIRE offers Visa Debit cards for SPIRE checking, Saint Paul Saints checking, savings*, and HSA accounts.
Pick the card that works best for you.


Use your SPIRE Visa® Debit card for purchases in store or online knowing SPIRE works hard to protect your personal information. SPIRE Visa Debit cards are equipped with EMV chip technology and card numbers and expiration dates on the back to deter hackers and skimmers.

You can also setup real-time alerts to avoid fraud and easily manage your finances.

Traveling soon with your SPIRE Visa Debit card?

Let us know your travel arrangements before you leave so we can put a note on your account. For your protection, SPIRE uses a security program that flags purchases made outside of your normal spending habits.  If fraud is suspected, your card may be shut down to protect your funds. If we know your travel plans, it is easier for us to verify if you are making the transactions on your account.

For Your Information

Debit card lost or stolen?

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

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.

EMV Chip Protection

SPIRE Visa Debit cards include EMV/Chip technology that gives you greater fraud protection when you use your card at a chip-activated terminal. The embedded microchip provides extra security by encrypting member data when used at chip-enabled registers.

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code while encrypting your personal data. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Additional Fraud Protection

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.

Take the Next Step

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

Discover the ease of a SPIRE Visa Debit card. Experience the SPIRE difference today.

Join SPIRE Now
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Fees & Disclosures

Fee Information and Disclosure

Visa Cebit Card Agreement & Disclosure

Regulation D

*Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telephone Banking and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking. Regulation D allows unlimited transfers and withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.

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