four teenagers sitting next to each other, smiling

Teen Checking

A checking account designed to help you start off on the right financial foot.

Teens ages 13-20 can enjoy the benefits of a SPIRE Teen Checking account. At the age of 21, Teen Checking accounts automatically convert to a SPIRE Free Checking Account.

  • No monthly maintenance fees or minimum balance requirements.
  • 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.

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.

Open your SPIRE Teen Checking account and start experiencing the SPIRE difference today.

Book an Appointment

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, Apple Pay, or Google Pay are accepted. 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 Digital Banking & SPIRE Mobile App

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, interbank transfers, account alerts, mobile wallet, and mobile deposit capture. 

Learn more about SPIRE Digital Banking


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.

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