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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.
  • Free access to Internet Banking.
  • Free SPIRE 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


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

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

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