|Minimum Daily Balance||$0||$1500||$5,000||$0|
|Monthly Minimum Balance Fee||$0||$15*||$20*||$0|
|Debits & Credits Per Item||First 200 Free2||First 200 Free2||First 200 Free2||First 400 Free2|
|Overdraft (Non-Sufficient Funds)||$33/each||$33/each||$33/each||$33/each|
|Monthly Service Fee1||$10||$0||$0||$0|
|Inactive Checking Account Fee3||$7.50/month||$7.50/month||$7.50/month||$7.50/month|
|Personalized Checks||See price list at any branch||N/A||N/A||N/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 minimum daily balance.
Automated Teller Machine (ATM)
|Per Withdrawal Charge at SPIRE Machines||$0|
|Per Withdrawal Charge at Other Machines||$2.50|
|Per Withdrawal Charge at International Machines||1% of total transaction|
|Card Replacement Fee||$10/card|
Visa Debit Card
|Card Replacement Fee (per card)||$10|
|International Currency Conversion||1% of total transaction|
ACCESS (Telephone) and Internet Banking
Share Savings Account
|Minimum Balance Fee (if below minimum daily balance)||$0|
Inactive Share Savings Account Fee
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)
|Withdrawal Fee||1 free per calendar quarter,|
|First Violation||Warning letter sent|
|Third Violation||Account 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.
|Per Statement Period||$5/each|
Check Deposits without Tape Total
Account Research and Reconciliation
|Guest Members||5% service fee|
Items Presented for Collection
|Overdraft or Non-sufficient Funds (Max 4/day)||$33/each|
|Account Reactivation Fee6||$10|
6The Account Reactivation Fee will be charged to reactivate an account within 6 months of the account closing date.
|Monthly Subscriber Fee||$0|
SPIRE offers online bill payment through CO-OP. The above fees are charged by CO-OP 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.