four teenagers sitting next to each other, smiling

Teen Accounts

Get your first taste of independence with your own savings and checking accounts!

If you're 13-20 years old, you can take advantage of the benefits of being a SPIRE member while your parents can help manage your accounts.

Deposit the money you receive as gifts or from your first job and start saving for the next best tech toy, outfit, or anything else you want!

At the age of 21, your SPIRE Teen accounts automatically convert to a SPIRE Share Savings and Free Checking accounts.

Send and Receive Money on SPIRE Digital Banking

Access your money from anywhere with SPIRE Digital Banking.  You can see your balance, send money, setup account alerts, and more all for free.

SPIRE Mobile App

Available for Apple and Android mobile devices*, the SPIRE Mobile app offers many of our digital banking features plus Mobile Deposit Capture to upload checks.

Download on the Apple App Store     Get it on Google Play

SPIRE Digital Wallet

Make purchases with your SPIRE Visa® Debit card on your mobile device.

SPIRE Mobile Wallet is available on Apple Pay, Google Pay, Fitbit Pay, and Garmin Pay.

Check your mobile device's system preferences for details.

Teen Savings Account

A savings account designed to help teens start off on the right financial foot. SPIRE Teen Savings accounts don't require a minimum balance and we don't charge a minimum fee. Start earning dividends on any account balance and easily transfer money to your checking account or to your friends' accounts.

Teen Checking Account

SPIRE Teen Checking accounts are truly free since there are no monthly maintenance fees or minimum balance requirements! Setup a free direct deposit from your job so you get your money as soon as it's available. You can also use your SPIRE Teen Savings account as overdraft protection for your checking account.

Take the Next Step

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.

Open your SPIRE Teen Checking account and start experiencing the SPIRE difference today.

Book an Appointment

image of front and back of SPIRE debit card

Make purchases with your free SPIRE Visa® Debit card.

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

Your card number, expiration date, and name are all on the back to deter hackers and skimmers.

Learn more about a SPIRE debit card

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Access your money at ATMs 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


See current Service Fee Schedule for additional information. Fees may reduce earnings.

Regulation D

Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telephone Banking and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking. Regulation D allows unlimited transfers and withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.

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