SPIRE Visa Debit Card

Use your free SPIRE Visa® Debit card in-person or online from any device.

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

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.

images of the SPIRE debit cards

Choose the Debit Card for You

Pick a SPIRE personal or business debit card
or show your team spirit with the exclusive
SPIRE St. Paul Saints or St. Cloud Rox Visa Debit card.

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Pay Your Way

Your SPIRE Visa Debit card comes with a contactless EMV chip.
Tap, insert, or swipe your card at any chip reader to pay at checkout.

Add your card to your digital wallet and pay with
any device on Apple Pay®, Google Pay, Samsung Pay, Fitbit Pay, or Garmin Pay.

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Access Your Money Across the Country

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.

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Safely Shop with Ease

Set up real-time text, email, or push notifications to
avoid fraud and easily manage your finances in SPIRE Digital Banking.
Learn about account alerts

With SPIRE Digital Banking, you can also lock your card if it's lost or stollen.

You can also set travel alerts so you can use your card internationally.

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 Debit 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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