55 Plus Checking

SPIRE 55 Plus Checking

A perfect dividend-bearing checking account for those age 55 or better.

  • Minimum daily balance of $2,000 required.
  • SPIRE custom checks.
  • Two free ATM withdrawals per monthly statement cycle at non-proprietary machines.
  • Dividend Earnings.
  • Free eStatements - save time and money when your statements are delivered to your email account.
  • Free Overdraft protection from your SPIRE savings account.
  • Free Direct Deposit.
  • Free access to Internet Banking.
  • Free Visa® Debit card.

SPIRE Visa® Debit Card & SPIRE Mobile Wallet

You will receive a SPIRE Visa Debit card with your SPIRE Free Checking account. Use your debit card anywhere Visa is accepted and with Apple Pay and Google Pay. ATM transactions are free at all SPIRE branch and Kwik Trip locations, CHS Field, as well as CVS, Target, and Walgreens locations in Minnesota. 
Learn more about SPIRE Visa Debit Cards

Free Internet Banking

Securely manage your account with free access to SPIRE Internet Banking and SPIRE Mobile app.  Free services include BillPay, Interbank transfers, and Mobile Deposit Capture (upon qualification).
Learn more about Internet Banking


Personal CheckingRates Effective: 4/1/2018

Dividend Rate APY* Minimum Blanace to Earn Stated APY
Free Checking0.0000.000N/A
St. Paul Saints0.0000.000N/A
Teen Checking0.0000.000N/A
Checking Plus0.0500.050All Balances
55 Plus Checking0.0500.050All Balances
HSA0.1000.100All Balances

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Truth in Savings Disclosure


Setup real-time alerts to avoid fraud and easily manage your finances. Know when withdrawals and deposits are made to your account, you're approaching a minimum balance, and more!


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

Take the Next Step

Call us

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Have questions? We are here to help.
888.34.SPIRE or 651.215.3500

Email Us

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Share with us where you're at and how we can help.

Visit Us

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Open an account in person at your local SPIRE branch.

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