7 Spirit Financial Services You Already Have Access To (and May Not Be Using)
Most people join a credit union for one reason. Maybe it was a checking account, maybe an auto loan. Once that's set up, it's easy to stop looking around. But Spirit Financial membership comes with a set of tools that go well beyond the account you opened on day one, and most of them can be used right from your phone.
Here are seven worth a look. Each one is available to members today, and all are easy to use.
1. Text us your questions
You don't have to call or come in to get an answer. Spirit Financial members can text questions about their accounts to 267-580-0230, and a member service representative will reply during business hours.
After hours, the same number works with keywords. Text a single word, and you'll get a link or answer back automatically, any time of day. A few examples from the keyword list:
Apply – a link to the online loan application
Controls – how to lock and unlock your card in the app
Routing – the credit union's routing number
Hours – branch hours
Fees – the current fee schedule
FICO – how to view your credit score for free
Tip from our Secure Text Messaging page: save 267-580-0230 in your contacts so you always have it handy. Message and data rates may apply.
Learn more about Secure Text Messaging
2. Check your FICO® Score for free
Your FICO® Score is available at no cost inside Online Banking and the Spirit Financial Mobile App. Log in, go to Services, and choose My FICO® Score. The score refreshes quarterly.
If you've never looked at your score, or only see it when you apply for a loan, this is a simple habit to start. It's also a useful companion to the fraud-awareness topics we cover regularly on this blog. Knowing your number makes it easier to notice when something doesn't look right.
3. Turn your card on or off from your phone
Remote Control Cards lets you restrict or allow access to your Spirit Financial debit card directly from the Mobile Banking App. If your card is misplaced, or you just want it locked until you need it, you can block it yourself without waiting for a phone call.
This is one of the more practical fraud-prevention tools available to members, and it lives right in the app you may already have installed.
Learn more about Debit Card security
4. Deposit checks without a branch visit
Remote Deposit Capture lets you deposit a check into your checking or savings account using the Spirit Financial Mobile App. Open the app, tap Deposit at the bottom of the screen, take a picture of the check, and follow the prompts.
To get started, you'll need to be enrolled in Online Banking first. Once you are, the app is a free download from the App Store or Google Play, and your Online Banking login works in the app too. Online Banking also includes Bill Payer, so you can handle bills from the same place.
Learn more about Remote Deposit Capture | Online & Mobile Banking
5. Put holiday and vacation money on autopilot
Spirit Financial offers two club savings accounts designed for a specific goal.
Christmas Club: Open it any time of year and add to it through payroll deduction or whenever your budget allows. There's no monthly service charge, no minimum balance, and no required monthly deposit, and the account pays dividends. When you're ready, the balance can be moved into your savings or checking at your request.
Vacation Club – Same idea, different destination. Deposit at your own pace through payroll deduction, automatic transfers, or occasional deposits. Dividends are posted monthly, and the funds can be transferred to your savings or checking when it's time to travel.
If the holidays or a summer trip tend to land on a credit card, a club account is a low-effort way to plan ahead.
Christmas Club | Vacation Club
6. Shop for a car without spending your Saturday at a dealership
CarShop365 is an online car-shopping tool available through Spirit Financial. You can search inventory, compare vehicles, find a dealer near you, and line up financing from your phone or laptop. As the name suggests, it's available every day of the year, so you can browse whenever it fits your schedule.
When you're ready to talk numbers, our auto loans page covers the benefits of financing through the credit union.
Learn more about CarShop365 | Auto Loans
7. Compare home and auto insurance in one place
Through Spirit Financial's co-branded page with Woop Insurance, you can connect your current home or auto policy and unlock a free Woop Dashboard. From there you can get competitive quotes and manage and track your policies in one place.
It's a quick way to find out whether your current coverage is still the right fit, and it doesn't require a phone call to get started.
Learn more about Woop Insurance
Pick one and set it up this week
Several of these are available the moment you log in. If you're not yet enrolled in Online Banking, that's the best first step, because it opens the door to the FICO® Score, Remote Control Cards, Remote Deposit Capture, and Bill Payer all at once.
Have a question about any of these? Text or call a Member Service Representative at (267) 580-0230 or email memberservice@spiritfinancialcu.org.
Not yet a member? Learn about joining Spirit Financial Credit Union.