Business Checking Accounts

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

Checking Options

From classic to dividend-earning, SPIRE offers a variety of business checking accounts to meet your goals.
Find the right one for you

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

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

Find the right SPIRE Business Checking account for you and your organization.


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


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


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


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

Compare Checking Accounts

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.

Let your money go further with a SPIRE Business Checking account. Experience the SPIRE difference today.

Book an Appointment

image of SPIRE Business Debit card

Enjoy your free SPIRE Business Visa® Debit card.

With your SPIRE Business Checking account, you will receive a free SPIRE Business 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

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 eStatements, transfers, direct deposit, mobile wallet, mobile deposit capture, and exports to Quickbooks. 

Learn more about SPIRE Digital Banking


Business CheckingRates Effective: 5/1/2022

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).

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