Business Checking Accounts

No matter what the needs of your business may be, we have a checking account for you and your business.

From classic to dividend-earning, SPIRE offers a variety of business checking accounts to meet your goals.

Take the Next Step

Book an Appointment

Let your money go further with a SPIRE Business 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.

Business Account Checklist

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Classic Checking

A great option for your daily transactions
with no minimum balance or monthly balance fee.

A monthly $10 service fee applies.

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Preferred Checking

Earn dividends without monthly
balance fees with a minimum balance of $1,500.

No monthly service fee.

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Premium Checking

Earn dividends at a higher rate
without monthly balance fees with a
minimum balance $5,000.

No monthly service fee.

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Nonprofit Checking

Manage your organization's finances
with no minimum balance or maintenance fees.

image of SPIRE Business Debit card

Free Contactless SPIRE Business Visa® Debit Card

When you open your SPIRE Business Checking account,
enjoy a free SPIRE Visa Debit card for each card holder.

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

Learn more about SPIRE debit cards

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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.

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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

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 eStatements, transfers, direct deposit, digital wallet, check deposit, and exports to QuickBooks. 

Learn more about SPIRE Digital Banking


Business CheckingRates Effective: 12/1/2023

Dividend Rate APY* Minimum Balance to Earn Stated APY
Classic Checking0.0000.00
Preferred Business0.0500.05
Premium Business0.1000.10
Basic Non-Profit0.0000.00

VIEW ALL RATES View all Rates icon

*Annual Percentage Yield. Quoted APY assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings. See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account.
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).

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