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SPIRE mascot, Cash the Dog, makes saving fun for kids 12 & under.
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Open a new SPIRE Free Checking account today and get $1001!
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Transform your space with a low-rate home equity loan.
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Refinance your single-family home & duplex investment properties.6
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Are you prepared for your retirement?
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Gifts for everyone on your list - yourself included!
As the Official Checking Account of the Rox, we provide exclusive benefits to our members including the SPIRE St. Cloud Rox Free Checking account.
SPIRE provides exclusive benefits to our members including
the SPIRE St. Cloud Rox Visa® Debit card.
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.
Start showing your Rox pride with a SPIRE St. Cloud Rox Checking account.
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 04.01.22 - 06.30.22. Subject to termination at any time. Other conditions and restrictions may apply.
Enjoy your SPIRE Free Checking account with
no minimum balance requirements or monthly maintenance fees.
Get paid directly to your SPIRE Free Checking
account as soon as your check is ready.
With your SPIRE St. Cloud Rox Free Checking
account, you will receive an exclusive Rox Visa Debit card.
Enjoy 24/7 fraud monitoring
Set up fraud and transaction alerts
in SPIRE Digital Banking.
Learn more about SPIRE debit cards
Your SPIRE St. Cloud Rox 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, Garmin Pay, or Fitbit Pay.
Enjoy free ATMs at all SPIRE branch and Kwik Trip
locations, 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
Securely manage your SPIRE accounts from anywhere with
free access to SPIRE Digital Banking and the SPIRE Mobile app.
Free services include BillPay, eStatements, transfers, direct deposit, digital wallet, and check deposit.
Learn more about SPIRE Digital Banking
See current Service Fee Schedule for additional information. Fees may reduce earnings.