eChecking Offer




eChecking Image of Woman Holding Cash

Get $200* cash when you open an eChecking account.

SpiritBank’s eChecking

  • No monthly service charge
  • No minimum balance
  • $100 opening deposit
  • Free Internet banking1
  • Free mobile banking and mobile deposit2
  • No fee bill pay with a minimum of two transactions or $5.95 per month1
  • Free Visa Debit Card3
  • Limit of five checks per month with a $0.25 charge per every check over five checks
  • Requires eStatements

1 Internet service provider fees may apply
2 Message and data rates may apply
3 Foreign ATM and Overdraft and returned item fees may apply

Open an Account

*Offer information: Promotion offer valid only for the first 100 accounts opened online through 4/30/2024. To receive $200 account credit, you must: 1- Have $500 or more in direct deposits made to your new account electronically from account owner’s paycheck, pension or government benefit within 90 days of account opening. 2. Complete 15 debit card transactions on your SpiritBank Visa Debit Card within 90 days of account opening. Credit will be made to the account after 90 days if the above requirements are met. Accounts must be open and in good standing to receive credit. Account credits are considered interest and will be reported on IRS Form 1099-INT or applicable tax form. Account openings are subject to SpiritBank’s approval. Promotional offers are not available to those with a SpiritBank account that have been closed during the current or previous calendar year or previously closed at any time with a negative balance. Checking offers are limited to one checking offer per household. Must be age 18 or older. Offer is subject to change without notice.

Applicants must be 18 years or older in order to apply for an account.