Free Checking

A SPIRE Free Checking account is truly free with no monthly maintenance or minimum balance fees

Also get free ATM access, a Visa^® Debit card, digital wallet, and more!

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Let your money go further with a SPIRE Free Checking account. 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.

¹Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months. $100 minimum deposit required to open Free checking account. $50 minimum deposit required to open a Rox, Saints, or Teen checking account. To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened. Account must remain open for six months. $100 will be deposited to the checking account upon account opening. If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100. Account holder responsible for any applicable taxes. Limited time offer valid 01.01.23 - 06.30.23. Subject to termination at any time. Other conditions and restrictions may apply.

Truly Free Checking

Enjoy your SPIRE Free Checking account with
no minimum balance requirements or monthly maintenance fees.

Get overdraft protection by linking your SPIRE Share Savings account.

Free Direct Deposit

Get paid directly to your SPIRE Free Checking
account as soon as your check is ready.

image of front and back of SPIRE debit card

Free Contactless SPIRE Visa^® Debit Card

When you open your SPIRE Free Checking account,
enjoy a free SPIRE Visa Debit card.

Enjoy 24/7 fraud monitoring
Set up fraud and transaction alerts
in SPIRE Digital Banking.

Learn more about SPIRE debit cards

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^™.

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

image of mobile device with SPIRE mobile app

Free SPIRE Digital Banking

Securely manage your SPIRE accounts from anywhere with
free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include BillPay, eStatements, transfers, direct deposit, digital wallet, and check deposit.

Learn more about SPIRE Digital Banking

Disclosures & Fees

$100 minimum deposit required to open a SPIRE Free Checking account. See current Service Fee Schedule for additional information. Fees may reduce earnings.

The SPIRE Courtesy Pay Program may cover transactions when there are not enough funds in your account.