Checking
| Classic
| Preferred
| Premium
| Basic Non-Profit
|
| Minimum Daily Balance | $0 | $1500 | $5,000 | $0 |
| Monthly Minimum Balance Fee | $0 | $15* | $20* | $0 |
| Debits & Credits Per Item | First 200 Free2 | First 200 Free2 | First 200 Free2 | First 200 Free2 |
| Overdraft (Non-Sufficient Funds) | $33/each | $33/each | $33/each | $33/each |
| Monthly Service Fee1 | $10 | $10 | $10 | $10 |
| Stop Payment | $33/each | $33/each | $33/each | $33/each |
| Inactive Checking Account Fee3 | $7.50/month | $7.50/month | $7.50/month | $7.50/month |
| Personalized Checks | See price list at any branch | N/A | N/A | N/A |
1 eStatements and Visa Debit Card required to avoid $10 monthly service fee.
2 First 200 debits and credits are free, $0.40 for each additional item per statement cycle.
3 Fee assessed on the balances below $250 if inactive greater than 365 days.
* If falls below $2,000 minimum daily balance
Automated Teller Machine (ATM)
| Per Deposit | $0 |
| Per Withdrawal Charge at SPIRE Machines | $0 |
| Per Withdrawal Charge at Other Machines | $2.50 |
| Per Withdrawal Charge at International Machines | 1% of total transaction |
| Card Replacement Fee | $10/card |
Visa Debit Card
| Monthly/Annual Fee | $0 |
| Card Replacement Fee (per card) | $10 |
| International Currency Conversion | 1% of total transaction |
ACCESS (Telephone) and Internet Banking
Share Savings Account
| Minimum Balance Fee (if below minimum daily balance) | $0 |
Inactive Share Savings Account Fee
5Fee assessed after 730 days if balance is less than $250 and no additional SPIRE products. The monthly fee will be waived if member maintains a minimum balance of $250, or has any additional shares or loans under the same account number, including SPIRE VISA Credit cards.
Money Market Savings Account
Monthly Minimum Balance Fee
(if below $2,500 minimum daily balance) | $10/month |
Budget Savings
| Withdrawal Fee | 1 free per calendar quarter,
$7.50/each thereafter |
Regulation D
| First Violation | Warning letter sent |
| Second Violation | $20 |
| Third Violation | Account will be closed |
In compliance with Federal Banking Regulation D, telephone and automated savings withdrawals are limited. During any calendar month, you may not make more than six (6) withdrawals or transfers to another SPIRE account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction. Automated methods include Overdraft Protection transfers to checking accounts and automatic withdrawals made through the Automated Clearing House (ACH) or preauthorized draft withdrawals (e.g., bill payment, insurance premiums). If you exceed this transaction limit, fees will be charged as noted above for violations that take place within a twelve (12) month rolling calendar period.
Wire Transfer
| Outgoing | $25/each |
| Incoming | $15/each |
| Incoming International | $15/each |
| International | $60/each |
Statement Copy
| Per Statement Period | $5/each |
| Per Check | $5/each |
Check Deposits without Tape Total
Account Research and Reconciliation
Coin Counter
| Members | Free |
| Guest Members | 5% service fee |
Items Presented for Collection
Non-Sufficient Funds
| Overdraft or Non-sufficient Funds (Max 4/day) | $33/each |
Account Reactivation
| Account Reactivation Fee6 | $10 |
6The Account Reactivation Fee will be charged to reactivate an account within 6 months of the account closing date.
Business BillPay
| Enrollment Fee | $0 |
| Monthly Subscriber Fee | $5 |
| Bill Payment Transaction | $.50/each |
| Extended Remittance Item | $.50/each |
| Non-Sufficient Funds | $22/each |
| Overnight Delivery | $17.50/each |
| Stop and Reissue | $17.50/each |
SPIRE offers online bill payment through CheckFree. The above fees are charged by CheckFree for use of the bill payment service. Any financial fees associated with your SPIRE checking account are separate and will continue to apply.
Some fees waived for account relationship. SPIRE reserves the right to amend this Service Fee Schedule and fees at anytime.