651.215.3500 | 888.34.SPIRE | Contact SPIRE

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Personal Checking

A SPIRE checking account is a great tool for your basic cash management needs. We offer different options to meet your needs.

Free Timberwolves Teen Checking Plus 55 Plus
Dividend Bearing No No No Yes, View Current Dividend Rates Yes, View Current Dividend Rates
Free SPIRE Custom Checks No No No Yes Yes
Minimum Initial Deposit
$100 $50 $50 $100 $100
Minimum Daily Balance
$0 $0 $0 $2,000 $2,000
Monthly Minimum Balance Fee
(if below minimum daily balance)
$0 $0 $0 $20 $20
BillPay Yes, FREE Yes, FREE Yes, FREE Yes, FREE Yes, FREE
eStatements Yes, FREE Yes, FREE Yes, FREE Yes, FREE Yes, FREE
Visa Check Card Yes, FREE Yes, FREE Yes, FREE Yes, FREE Yes, FREE
Check Writing Unlimited Unlimited Unlimited Unlimited Unlimited
Internet & Telephone Banking
Yes, FREE Yes, FREE Yes, FREE Yes, FREE Yes, FREE
ATM Withdrawals
Free at SPIRE & Kwik Trip ATMs
Free at SPIRE & Kwik Trip ATMs & Two free ATM withdrawals per month at non-proprietary machines

SPIRE's Routing Number

291075116

SPIRE Visa Check Card

All SPIRE checking accounts come with a Visa Check Card free of charge. Use your check card for cash withdrawals and purchases worldwide wherever Visa is accepted.

Direct Deposit

Having direct deposit not only saves you time, but also gives you access to your money right away! Have your paycheck, social security, pension or retirement check deposited directly to your account.  Simply complete the Direct Deposit Form!

Check Orders

Out of checks? No problem, order them online now or speak to a SPIRE representative.

Overdraft Protection Plans

Free overdraft protection is available from your Share Savings or Money Market account. A Line of Credit loan is available for qualified borrowers. 

Courtesy Pay Program

Learn more about SPIRE's Courtesy Pay Program that may cover transactions when there are not enough funds in your account.

Switch Kit

We will make moving your account to SPIRE as easy as possible. We've outlined the process for you and can help you with any steps along the way.

For assistance with any of the services, please contact a SPIRE representative at 651.215.3500 

Other fees may apply. See Fee Schedule for additional information.

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