Business Fees

Checking

Classic

Preferred

Premium

Basic Non-Profit

Minimum Daily Balance$0$1500$5,000$0
Monthly Minimum Balance Fee$0$15*$20*$0
Debits & Credits Per ItemFirst 200 Free2First 200 Free2First 200 Free2First 400 Free2
Overdraft (Non-Sufficient Funds)$33/each$33/each$33/each$33/each
Monthly Service Fee1$10$0$0$0
Stop Payment$33/each$33/each$33/each$33/each
Inactive Checking Account Fee3$7.50/month$7.50/month$7.50/month$7.50/month
Personalized ChecksSee price list at any branchN/AN/AN/A

1eStatements and Visa Debit Card required to avoid $10 monthly service fee.
2$0.40 for each additional item per statement cycle. 
3Fee assessed on the balances below $250 if inactive greater than 365 days.
*If falls below $2,000 minimum daily balance

Automated Teller Machine (ATM)

Per Deposit$0
Per Withdrawal Charge at SPIRE Machines$0
Per Withdrawal Charge at Other Machines$2.50
Per Withdrawal Charge at International Machines1% of total transaction
Card Replacement Fee$10/card

Visa Debit Card

Monthly/Annual Fee$0
Card Replacement Fee (per card)$10
International Currency Conversion1% of total transaction

ACCESS (Telephone) and Internet Banking

Free

Canadian Check Deposits

Flat Fee$20

Cash and Coin Orders

Free to Members

Share Savings Account

Minimum Balance Fee (if below minimum daily balance)$0

Inactive Share Savings Account Fee

$7.50/month5

5Fee assessed after 730 days if balance is less than $250 and no additional SPIRE products. The monthly fee will be waived if member maintains a minimum balance of $250, or has any additional shares or loans under the same account number, including SPIRE VISA Credit cards.

Money Market Savings Account

Monthly Minimum Balance Fee
(if below $2,500 minimum daily balance)
$10/month

Budget Savings

Withdrawal Fee1 free per calendar quarter,
$7.50/each thereafter

Regulation D

First ViolationWarning letter sent
Second Violation$20
Third ViolationAccount will be closed

In compliance with Federal Banking Regulation D, telephone and automated savings withdrawals are limited. During any calendar month, you may not make more than six (6) withdrawals or transfers to another SPIRE account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction. Automated methods include Overdraft Protection transfers to checking accounts and automatic withdrawals made through the Automated Clearing House (ACH) or preauthorized draft withdrawals (e.g., bill payment, insurance premiums). If you exceed this transaction limit, fees will be charged as noted above for violations that take place within a twelve (12) month rolling calendar period.

Cashiers Check

$3/each

Notary Service

Free to Members

Wire Transfer

Outgoing$25/each
Incoming$15/each
Incoming International$15/each
International$60/each

Statement Copy

Per Statement Period$5/each
Per Check$5/each

Check Deposits without Tape Total

$5/each

Account Research and Reconciliation

$30/hour

Coin Counter

MembersFree
Guest Members5% service fee

Items Presented for Collection

$35/each

Returned Deposit Item

$4/each

ACH Rejection Fee

$10/item

Non-Sufficient Funds

Overdraft or Non-sufficient Funds (Max 4/day)$33/each

Levy/Garnishment

$100/each

Returned Mail

$10/mo

Account Reactivation

Account Reactivation Fee6$10

6The Account Reactivation Fee will be charged to reactivate an account within 6 months of the account closing date.

Business BillPay

Enrollment Fee$0
Monthly Subscriber Fee$5
Bill Payment Transaction$.50/each
Extended Remittance Item$.50/each
Non-Sufficient Funds$22/each
Overnight Delivery$17.50/each
Stop and Reissue$17.50/each

SPIRE offers online bill payment through CheckFree. The above fees are charged by CheckFree for use of the bill payment service. Any financial fees associated with your SPIRE checking account are separate and will continue to apply.

Some fees waived for account relationship. SPIRE reserves the right to amend this Service Fee Schedule and fees at anytime.

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