Personal Saving


Save For Your Family

save for
your family

Save For A Reason

save for
a reason

Free Checking

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SPIRE Free Checking

Saints Checking

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St. Paul Saints Checking

Teen Checking

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Teen FREE checking


55 Plus

0.05% APY1

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Checking Plus

0.05% APY1

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checking account services 

Each of our SPIRE checking account include following services:

  • Overdraft protection from your SPIRE savings account.
  • Direct deposit and payroll savings
  • Revolving Credit Line available for overdraft protection of up to $10,000 for qualified borrowers
  • The SPIRE Courtesy Pay Program may cover transactions when there are not enough funds in your account
  • Unlimited check writing and no per-check charge
  • Free access to your account via Internet Banking and SPIRE Mobile app & wallet.


    Ready to make the switch? Get started today by following the SPIRE Switch Kit >

    To apply, call 651.215.3500 or contact us.

Visa® Debit & Gift cards

Visa® Gift Cards

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Visa® Debit Card

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See Service Fee Schedule for additional information.

1Annual Percentage Yield

Driven by


Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.

Start Smart. Open a SPIRE Free Checking Account and get $100* today.  Ask for details.

*Offer 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 1.1.19 - 3.31.19. Subject to termination at any time. Other conditions and restrictions may apply.
Get a chance to win amazing NFL prizes when you pay with Visa® from September 1 through December 31, 2017.

Get a chance to win amazing NFL prizes when you pay with Visa®

from September 1 through December 31, 2017.

No Purchase or Obligation Necessary. Open to U.S. residents 18 years & older.
Void in P.R. & where prohibited. Ends 12/31/17. For full Official Rules and non-purchase method of entry see