Checking Plus

The SPIRE Checking Plus Account is a great dividend-earning checking account option.

  • Minimum daily balance of $2,000 required.
  • SPIRE custom checks.
  • Two free ATM withdrawals per monthly statement cycle at non-proprietary machines.
  • Dividend Earnings.
  • Free eStatements - save time and money when your statements are delivered to your email account.
  • Free Overdraft protection from your SPIRE savings account.
  • Free Direct Deposit.

SPIRE Visa® Debit Card & SPIRE Mobile Wallet

You will receive a SPIRE Visa Debit card with your SPIRE Free Checking account. Use your debit card anywhere Visa, Apple Pay, or Google Pay are accepted. ATM transactions are free at all SPIRE branch and Kwik Trip locations, CHS Field, as well as CVS, Target, and Walgreens locations in Minnesota. 
Learn more about SPIRE Visa Debit Cards

Free Digital Banking & SPIRE Mobile App

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, interbank transfers, account alerts, mobile wallet, and mobile deposit capture. 

Learn more about SPIRE Digital Banking


Personal CheckingRates Effective: 5/1/2021

Dividend Rate APY* Minimum Balance 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

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).

Truth in Savings Disclosure

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


Setup real-time alerts to avoid fraud and easily manage your finances. Know when withdrawals and deposits are made to your account, you're approaching a minimum balance, and more!


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

Scroll to the top