four teenagers sitting next to each other, smiling

Teen Checking

A checking account designed to help you start off on the right financial foot.

If you're 13-17 years old, you can experience the benefits of being a SPIRE member while learning about managing your money.

Take the Next Step

Book an Appointment

Open your SPIRE Teen Checking account and start experiencing the SPIRE difference today (a parent will need to come with you).

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.

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 07.01.22 - 09.30.22. Subject to termination at any time. Other conditions and restrictions may apply.

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All the Benefits with a Little Help

A SPIRE Teen Checking account is a great way
to learn about money management.

It's loaded with all the features of a traditional
checking account while your parent helps keep
track of your spending and payments.
(They can easily transfer money to your account, too!)
 


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Truly Free Checking

You won't be charged a minimum balance
or monthly maintenance fees.

Get overdraft protection by linking your SPIRE Teen Savings account.
 


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Free Direct Deposit

Have a job? Get paid directly to your
SPIRE Teen Checking account as soon as your check is ready.
 

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

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Free Contactless SPIRE Visa® Debit Card

When you open your SPIRE Teen 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, Garmin Pay, or Fitbit 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.

Find Nearest ATMs
 


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Automatic Upgrade

When you turn 21, your teen account will
automatically upgrade to a SPIRE Free Checking account.

Your account information stays the same.
 


Disclosures & Fees

$50 minimum deposit required to open a SPIRE Teen Checking account. See current Service Fee Schedule for additional information. Fees may reduce earnings.

 
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