Can I open an account online?

Yes, we have several account options that can be opened online.

Click here to view our Personal Checking Options that you can open online: https://www.spiritbank.com/personal-banking/checking/.

For online savings options, click here: https://www.spiritbank.com/personal-banking/savings/.

If you’re interested in Money Market Accounts, click here: https://www.spiritbank.com/personal-banking/money-market/.

To open a CD Special, click here: https://www.spiritbank.com/personal-banking/certificate-of-deposit/.

What are your branch hours and locations?

You can find our branch hours and locations here: https://www.spiritbank.com/locations/.

What is your routing number?

SpiritBank’s routing number is: 103110376.

How do I enroll in online banking?

Once you have opened an account, you can use this link to enroll in online banking: https://web11.secureinternetbank.com/PBI_PBI1151/Enroll/103110376.

How do I set up account alerts?

Please view our Personal Internet Banking Video Tutorial here: https://www.spiritbank.com/ebranch-services/personal-internet-banking/.  Click on “Alerts” to see how to set up your notifications.

What should I do if my debit card is lost or stolen?

Please call us as soon as possible at 1 (918) 712-9292. After hours, call 1 (888) 263-3370.

How do I set travel notifications?

Please call us at 1 (918) 712-9292.

What should I do if I suspect fraudulent activity or a suspicious transaction on my account?

Please call us as soon as possible at 1 (918) 712-9292 or visit any branch location.  After hours, call 1 (888) 263-3370.

Will the bank ever ask for my login credentials?

No, we will never ask for your login credentials, passwords or one-time passcodes. Learn more here: https://www.spiritbank.com/2025/09/12/fraud-alert/.

Where can I find a fee schedule?

You can view our fee schedule under the education tab on the top ribbon tool bar on our website.

How do I update my contact information?

You can update your email address or phone number within online banking. Please call us at 1 (918) 712-9292 with an address change request. Our team can also help with other account changes you might have.

What is Zelle ®?

Zelle^® is a convenient way to send and receive money with friends, family and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle^® makes it easy to pay your share.*

How do I enroll in Zelle ®?

Learn more about how to enroll in Zelle ® here: https://www.spiritbank.com/ebranch-services/zelle/.

What is Bill Pay?

See the video on this page about Check Free Next Bill Pay: https://www.spiritbank.com/ebranch-services/personal-internet-banking/.

How do I enroll in Bill Pay?

Enroll by logging into online banking and click on the Payments tab. Agree to terms and conditions for Bill Pay and it’s ready for use.

* To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. While there are no fees per transaction to send and receive money via Zelle®, Bill Pay is required to use the Zelle® service, and a fee of $5.95/month to use Bill Pay may be required. Your mobile carrier’s messaging and data rates may apply.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.