Business Checking Accounts

No matter what the needs of your business may be, we have a checking account for you and your business.

  • Free eStatements - save time and money when your statements are delivered to your email account.
  • Free Overdraft protection from your SPIRE savings account.
  • Free downloads into Quickbooks.
  • Free access to Internet Banking.
  • Free SPIRE Visa® Business Debit card

Business Checking Account Options

Classic Business

A great option for your daily transactions with no minimum balance.

Preferred Business

Earn dividends without monthly maintenance fees with a minimum balance of $1,500.

Premium Business

Earn dividends at a higher rate with a $5,000 minimum balance.

Basic Non-Profit

Manage your organization's finances with no minimum balance or monthly maintenance fees.

Compare Business Checking Accounts

No matter what your business goals may be, SPIRE has a checking account to help you meet them.
Compare Checking Account Options

SPIRE Visa Business Debit Card

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 & Walgreens locations in Minnesota.
Our vertical design helps deter skimmers and protects your personal information.


Business CheckingRates Effective: 6/1/2021

Dividend Rate APY* Minimum Balance to Earn Stated APY
Classic Checking0.0000.00
Preferred Business0.0500.05
Premium Business0.1000.10
Basic Non-Profit0.0000.00

VIEW ALL RATES View all Rates icon

*Annual Percentage Yield. Quoted APY assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings. See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).


Use our checklist to make sure you have everything you need to open your SPIRE business account.

Take the Next Step

Call us

phone icon
Have questions? We are here to help.
888.34.SPIRE or 651.215.3500

Email Us

Email icon
Share with us where you're at and how we can help.

Visit Us

locator icon
Open an account in person at your local SPIRE branch.

Scroll to the top