55 Plus Checking

A perfect dividend-bearing checking account for those age 55 or better.

Earns dividends, receive a free SPIRE Visa Debit card, custom checks, and more.

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Join SPIRE Now
Book an Appointment

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

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.

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Earn Dividends

Earn dividends on any balance.

A $2,000 daily minimum balance is required
to avoid a monthly minimum balance fee.

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Free Contactless SPIRE Visa® Debit Card

When you open your SPIRE 55 Plus Checking
account, enjoy a free SPIRE Visa Debit card.

Enjoy 24/7 fraud monitoring
Set up fraud and transaction alerts
in SPIRE Digital Banking.

Learn more about SPIRE debit cards

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Pay Your Way

Your SPIRE Visa Debit card comes with a contactless EMV chip.
Tap, insert, or swipe your card at any chip reader to pay at checkout.

Add your card to your digital wallet and pay with
any device on Apple Pay®, Google Pay, Samsung Pay, Fitbit Pay, or Garmin Pay.

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Access Your Money 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.

You'll receive two fee reimbursements per month
from non-network ATMs.

Find Nearest ATMs

Free SPIRE Digital Banking

Securely manage your SPIRE accounts from anywhere with
free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include BillPay, eStatements, transfers, direct deposit, digital wallet, and check deposit. 

Learn more about SPIRE Digital Banking

Disclosures & Fees

$100 minimum deposit required to open a SPIRE 55 Plus Checking account. See current Service Fee Schedule for additional information. Fees may reduce earnings.

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