Joe Faber Field with Archie truck in the outfield and Rox mascot

St. Cloud Rox Checking

Rox Solid Fun is better with a SPIRE St. Cloud Rox Free Checking account.

As the Official Checking Account of the Rox, we provide exclusive benefits to our members including the SPIRE St. Cloud Rox Free Checking account.

SPIRE is the Official Checking Account
of the St. Cloud Rox

SPIRE provides exclusive benefits to our members including the
SPIRE St. Cloud Rox Visa® Debit card, ticket offers, and more.

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.

Start showing your Rox pride with a SPIRE St. Cloud Rox Checking account.


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.

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Truly Free Checking

Enjoy your SPIRE Free Checking account with
no minimum balance requirements or monthly maintenance fees.

image of SPIRE St. Cloud Rox debit card

Get your exclusive SPIRE St. Cloud Rox Visa® Debit card.

With your SPIRE St. Cloud Rox Free Checking account, you will receive an exclusive Rox 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

Your SPIRE St. Cloud Rox Visa Debit card
comes with a contactless EMV chip.
Just tap your card or insert it into any chip reader to pay at checkout.
Add your card to your digital wallet and pay with any device on
Apple Pay, Google Pay, Garmin Pay, or Fitbit Pay.

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Access your money from ATMs
across the country.

Enjoy free ATMs at all SPIRE branch and Kwik Trip locations, 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

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.



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

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