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.


Pay how you want in-person and online with your debit card and mobile wallet.
Learn more about ways to pay


Use your debit card at our network of free and surcharge-free ATMs nationwide.
Learn more about ATMs


SPIRE debit cards are designed with security in mind.
Learn about security

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Pay your way in-store or online

Your SPIRE Visa Debit card comes with Contactless EMV Chip technology. Just tap your card or insert it into any chip reader to pay at checkout.

With the SPIRE Mobile app, pay online or in-person with Apple Pay, Google Pay, Garmin Pay, or Fitbit Pay.

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
Book an Appointment

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Safely shop with ease

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 Contactless EMV chip technology

Your card number, expiration date, and name are all on the back to deter hackers and skimmers.

You can also setup real-time text, email, or push notifications to avoid fraud and easily manage your finances. Set up notifications

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.


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Use your SPIRE Visa 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 through the Co-op Shared Network.

Find Nearest ATMs

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Get cash back at checkout

Present your debit card anywhere Visa® is accepted worldwide.  At participating retailers, get cash back without a fee by selecting “debit” and entering your PIN at checkout. There is no limit to the number transactions you make on your checking account.

images of SPIRE debit, SPIRE Saints debit, and SPIRE Business debit cards

Choose the card for you

Your SPIRE Visa Debit card is linked to your SPIRE checking account. Choose the card and account right for you.

SPIRE Free Checking
SPIRE St. Paul Saints Checking
SPIRE Business Checking

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 on SPIRE Digital 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.

Contactless EMV Chip Protection

SPIRE Visa Debit cards include Contactless 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.

You can also use your card at a chip reader without touching it. Use your contactless card by holding it over the reader. The card will securely transmit to the reader without inserting your card.

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.

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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