Put more of Maryland within reach.
SPARE helps banks and credit unions extend cash and basic banking access through trusted local retailers—without building another branch or installing another ATM.
Community reach without a bigger physical footprint.
SPARE securely connects an institution’s app to participating retailers, turning the point of sale into an asset-light access channel.
The customer requests access
Inside their bank or credit union experience, an account holder finds a nearby participating retailer.
SPARE connects the network
The request is securely routed to the retailer’s existing point-of-sale environment.
Access happens locally
The transaction is completed at the register—no dedicated ATM, new branch or required purchase.
A grant-aligned path built for execution.
The MCIV Fund encourages formal collaboration between a financial institution and fintech to improve service to Maryland LMI businesses. SPARE can help shape a measurable deployment around that intent.
Define the access gap
Identify underserved areas, target businesses and the financial services need your institution wants to address.
Scope the collaboration
Align deployment, project budget, eligible expenses and operational responsibilities.
Prove community impact
Set specific outcomes for merchant activation, geographic coverage and financial access, with quarterly reporting in mind.
Stronger institutions. Stronger Maryland communities.
Reach people and LMI businesses where they already live, work and shop.
Your institution remains the trusted financial relationship; retailers provide convenient access; SPARE powers the network.
Build a defined project with compliance implementation, training and measurable outcomes—not innovation theater.
Add an adaptable distribution layer without the capital and service burden of new branches or ATM fleets.
Could SPARE fit your Maryland access strategy?
Let’s identify one community, one service gap and one measurable pilot your institution could explore under the MCIV framework.
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