55 Plus Checking

A perfect dividend-bearing checking account for those age 55 or better.

Great Benefits

Earns dividends on any balance, receive a free SPIRE Visa Debit card and custom checks, and more.
Discover the benefits 

Pay Your Way

Pay how you want in-person and online with your debit card, SPIRE Mobile app, and digital wallet.
Discover more ways to pay

Access Anywhere

With SPIRE Digital Banking and our network of free and surcharge-free ATMs, access your money anywhere you go.
Get access to your money

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The pluses of a SPIRE 55 Plus Checking account.

Earn dividends on any balance.
Free custom SPIRE checks.
Two ATM fee reimbursements per month
(from outside the SPIRE network).
Free account access on SPIRE Digital Banking.
Free overdraft protection from your SPIRE savings account.

The SPIRE Courtesy Pay Program may cover transactions when there are not enough funds in your account.
A minimum daily balance of $2,000 is required to avoid fees.

 

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.

Let your money go further with a SPIRE Checking Plus account. Experience the SPIRE difference today.

Join SPIRE Now
Book an Appointment

image of front and back of SPIRE debit card

Enjoy your free SPIRE Visa® Debit card.

With your SPIRE Free Checking account, you will receive a free SPIRE Visa Debit card.

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

Learn more about SPIRE debit cards
 


contactless, mobile device, and card icons
Pay your way with your contactless card and SPIRE Mobile Wallet.

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.
 


atm card icon

Access your money at ATMs 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
 

Manage your account with free SPIRE Digital Banking.

Securely manage your SPIRE accounts wherever your day takes you with free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include BillPay, eStatements, transfers, direct deposit, mobile wallet, and mobile deposit capture. 

Learn more about SPIRE Digital Banking

Rates

Personal CheckingRates Effective: 10/1/2021

Dividend Rate APY* Minimum Blanace to Earn Stated APY
Free Checking0.0000.00
St. Paul Saints0.0000.00N/A
Teen Checking0.0000.00N/A
Checking Plus0.0500.05All Balances
55 Plus Checking0.0500.05All Balances
HSA0.1000.10

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Fees

See current Service Fee Schedule for additional information. Fees may reduce earnings.

 
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