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.