Checking Plus

The SPIRE Checking Plus Account is a great dividend-earning checking account.

Great Benefits

Earns dividends on any balance, receive a free SPIRE Visa Debit card and custom checks, and more.
Discover the benefits 

Pay Your Way

Pay how you want in-person and online with your debit card, SPIRE Mobile app, and digital wallet.
Discover more ways to pay

Access Anywhere

With SPIRE Digital Banking and our network of free and surcharge-free ATMs, access your money anywhere you go.
Get access to your money

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The pluses of a SPIRE Checking Plus account.

Earn dividends on any balance.
Free custom SPIRE checks.
Two ATM fee reimbursements per month
(from outside the SPIRE network).
Free account access on SPIRE Digital Banking.
Free overdraft protection from your SPIRE savings account.

The SPIRE Courtesy Pay Program may cover transactions when there are not enough funds in your account.
A minimum daily balance of $2,000 is required to avoid fees.


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.

Let your money go further with a SPIRE Checking Plus account. Experience the SPIRE difference today.

Join SPIRE Now
Book an Appointment

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Enjoy your free SPIRE Visa® Debit card.

With your SPIRE Free 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 SPIRE debit cards

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Pay your way with your contactless card and SPIRE Mobile Wallet.

Your SPIRE Visa Debit card comes with Contactless EMV Chip technology.
Just tap your card or insert it into any chip reader to pay at checkout.

With the SPIRE Mobile app, pay online or in-person with Apple Pay, Google Pay, Garmin Pay, or Fitbit Pay.

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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

Manage your account with free SPIRE Digital Banking.

Securely manage your SPIRE accounts wherever your day takes you with free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include BillPay, eStatements, transfers, direct deposit, mobile wallet, and mobile deposit capture. 

Learn more about SPIRE Digital Banking

Disclosures & Fees

$100 minimum deposit required to open a SPIRE Checking Plus account. See current Service Fee Schedule for additional information. Fees may reduce earnings.

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