St. Cloud Rox Checking

Rox Solid Fun is better with a SPIRE St. Cloud Rox Free Checking account.

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 is the Official Checking Account
of the St. Cloud Rox

SPIRE provides exclusive benefits to our members including
the SPIRE St. Cloud Rox Visa^® Debit card.

Take the Next Step

Join SPIRE
Book an Appointment

Start showing your Rox pride with a SPIRE St. Cloud Rox Checking account.

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.

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 10.01.23 - 12.31.23. Subject to termination at any time. Other conditions and restrictions may apply.

Truly Free Checking

Enjoy your SPIRE Free Checking account with
no minimum balance requirements or monthly maintenance fees.

Free Direct Deposit

Get paid directly to your SPIRE Free Checking
account as soon as your check is ready.

Exclusive SPIRE St. Cloud Rox Visa^® Debit Card.

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

Pay Your Way

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^™, Samsung Pay, Fitbit Pay^™, or Garmin Pay^™.

Access your money from ATMs
across the country.

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

image of mobile device with SPIRE mobile app

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 BillPay, eStatements, transfers, direct deposit, digital wallet, and check deposit.

Learn more about SPIRE Digital Banking