SPIRE offers a variety of checking account options to meet your needs.

Each of our SPIRE checking accounts offer several free features including direct deposit and payroll savings, unlimited check writing, and access to your account with SPIRE Digital Banking.

Free Checking

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No monthly fees, and no minimum balance with
SPIRE Free Checking.
For ages 13-20 to start smart with
SPIRE Teen Checking.

Saints Checking

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SPIRE is the official checking account of the St. Paul Saints! 
Get your Saints checks & Visa Debit card with
Saints Checking

Dividend Earning Checking

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Earn dividends while keeping a minimum balance with
SPIRE Checking Plus.
Open a dividend-earning account for those 55 or better with
55 Plus Checking.

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 07.01.23 - 09.30.23. Subject to termination at any time. Other conditions and restrictions may apply.

images of SPIRE debit, SPIRE Saints debit, and SPIRE Business debit cards

With your SPIRE Checking account, you will receive a free SPIRE Visa Debit card.

Your SPIRE Visa Debit card comes with Contactless EMV Chip technology.
With the SPIRE Mobile app, pay online or in-person with Apple Pay, Google Pay, Garmin Pay, or Fitbit Pay.

Enjoy free ATMs at all SPIRE branch and Kwik Trip locations, CHS Field, as well as Target, CVS & Walgreens locations in Minnesota.
Plus, you have access to 30,000 surcharge-free ATMs across the country.

Learn more about SPIRE Visa Debit cards

Switch Kit

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We make switching to SPIRE easy.

Order Checks

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Reorder your SPIRE checks.
Order SPIRE Checks

Visa Gift Cards

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Perfect for any occasion.

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