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SPIRE offers a variety of checking account options to meet your needs.

Each of our SPIRE checking account include:

  • Overdraft protection from your SPIRE savings account.
  • Direct deposit and payroll savings.
  • Revolving Credit Line available for overdraft protection of up to $10,000 for qualified borrowers.
  • The SPIRE Courtesy Pay Program may cover transactions when there are not enough funds in your account.
  • Unlimited check writing and no per-check charge.
  • A SPIRE Visa® Debit card.
  • Free access to your account with SPIRE Digital Banking.

Free Checking

SPIRE Checking

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No monthly fees. No minimum balance.

Saints Checking

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Get St. Paul Saints checks & Visa Debit card.

Teen Checking

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For ages 13-20 to start smart.

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 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 1.1.21 - 3.31.21. Subject to termination at any time. Other conditions and restrictions may apply.

Dividend Earning Checking

Checking Plus

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Earn dividends while keeping a minimum balance.

55 Plus Checking

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A dividend-earning account for those 55 or better.

SPIRE Visa® Debit Card

Make purchases with the money in your SPIRE checking account without the hassle of writing a check or carrying cash.  Present your debit card with EMV chip security anywhere Visa is accepted worldwide.  Your SPIRE Visa Debit card also acts as your SPIRE ATM card.

Also enjoy free ATMs at all SPIRE branch and Kwik Trip locations, CHS Field, as well as Target, CVS & Walgreens locations in Minnesota. Plus, you have access to 30,000 surcharge-free ATMs across the country.

Switch Kit

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We make switching to SPIRE easy.

Order Checks

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Reorder your SPIRE checks.
Order SPIRE Checks

Visa Gift Cards

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Perfect for any occasion.

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