Free Checking

SPIRE Free Checking Account

Free checking accounts are not a thing of the past.  At SPIRE, a free checking account truly is free.

  • No monthly maintenance fees or minimum balance requirements.
  • 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.
  • Free access to Internet Banking.
  • Free SPIRE Visa® Debit card

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 is accepted and with Apple Pay and Google Pay. 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 Internet Banking

Securely manage your account with free access to SPIRE Internet Banking and SPIRE Mobile app.  Free services include BillPay, Interbank transfers, and Mobile Deposit Capture (upon qualification).
Learn more about Internet Banking

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 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 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 10.1.19 - 12.31.19. Subject to termination at any time. Other conditions and restrictions may apply.


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


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

Take the Next Step

Call us

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Have questions? We are here to help.
888.34.SPIRE or 651.215.3500

Email Us

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Share with us where you're at and how we can help.

Visit Us

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Open an account in person at your local SPIRE branch.

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