four teenagers sitting next to each other, smiling

Teen Checking

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

If you're 13-20 years old, you can take advantage of the benefits of being a SPIRE member while your parents can help manage your account. At the age of 21, a SPIRE Teen Checking account automatically converts to a SPIRE Free Checking account.

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

Truly Free

No monthly maintenance fees or minimum balance requirements.
Plus, a whole lot more.
See what's free

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

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 Rox, 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 04.01.22 - 06.30.22. Subject to termination at any time. Other conditions and restrictions may apply.

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 accounts with as little as $10 and become a SPIRE member for life. Experience the SPIRE difference today.

Book an Appointment

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

image of front and back of SPIRE debit card

Make purchases with your free SPIRE Visa® Debit card.

With your SPIRE Teen 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

contactless, mobile device, and card icons
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.

atm card icon

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

At SPIRE, a free checking account truly is free.

No monthly maintenance fees or minimum balance requirements.
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.


Disclosures & Fees

$50 minimum deposit required to open a SPIRE Teen Checking acount. See current Service Fee Schedule for additional information. Fees may reduce earnings.

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