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Rates Internet Banking Help

Branches & ATMs Mobile Banking

Routing Number 291075116

With a SPIRE VISA® Debit Card you can access your money conveniently using ATMs. Get cash or make deposits whenever it fits your schedule. Stop by any SPIRE branch location to receive your free SPIRE VISA® Debit Card on the spot.


  • All SPIRE Branches
  • All Kwik Trip Locations
  • All Minnesota CVS Locations
  • All Minnesota Walgreens Locations
  • CHS Field, St. Paul – Home of the St. Paul Saints


(These ATMs may have a $2.50 fee assessed by SPIRE, but no surcharge fee)

  • MoneyPass ATMs
  • Co-op Network ATMs

ATM Fees

There are only two types of ATM fees that may apply.

  • Fees may be imposed by the ATM owners called surcharge fees AND/OR
  • A fee may be imposed by the financial institution including SPIRE

SPIRE Fees Waived

SPIRE waives up to two SPIRE ATM fees per month at non-proprietary ATMs if an account has one of the following types of shares:

  • Money Market Savings
  • Checking Plus
  • 55 Plus Checking

ATM Deposits

SPIRE members can make deposits free of charge at SPIRE ATM machines or at MoneyPass machines that accept deposits. Please note, not all ATMs accept deposits

The ATM Fee Rebate Program

SPIRE offers a rebate program for ATM Fees. This program is designed to reward members for doing business with us and being a stakeholder in SPIRE. The amount of your rebate is dependent upon your aggregate average daily balance, which is calculated from the last statement date. The fee rebate breakdown is as follows: Aggregate Average Daily Balance1 ATM Fee RebateUp To: $20,000 and greater $4.

1Aggregate average daily balance includes all savings and loan balances that are listed under the same account that the ATM card is attached to

2You cannot receive a rebate for more than your actual posted ATM fees

Other Ways to get Cash Without a Fee

  • Point of Purchase (POS) – Cash back option given at a retail cash register using your SPIRE VISA® Debit Card
  • Shared Branching withdrawal – Member must use teller window to receive withdrawal without a fee (NOT an ATM withdrawal at a shared branching location)


Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.

Call: 651.215.3500 Routing Number: 291075116