Personal Banking


Choose from one of three savings accounts to meet your needs.

Personal Savings Accounts

The greater your balance, the greater your reward. Earn higher interest with higher monthly balances with a SpiritBank Personal Savings account.

  • Tiered interest paid quarterly on average collected balance
  • A $2.00 charge and no interest paid if average collected balance falls below $100
  • $1.00 charge per withdrawal over six per quarter
  • $100 minimum balance

Fees may reduce earnings.


Minor Savings Accounts

Teach your children the importance of saving money.

  • No minimum opening deposit
  • $1.00 charge per withdrawal over six per quarter
  • Interest paid quarterly at an adjustable rate

Fees may reduce earnings.


Health Savings Now Account (HSA)

In 2003, the Health Savings Account (HSA) was born when the Medicare Prescription Drug, Improvement and Modernization Act was signed into law by President Bush.

This type of health care involves patients who have a high-deductible health insurance policy and an HSA. The idea behind it is that you pay for your own routine health care expenses with funds you’ve accrued in your HSA. Meanwhile, the high-deductible health insurance policy is used as more of a safety net—it protects you from any catastrophic medical expenses. These types of insurance policies tend to have a dramatically lower monthly premium than low-deductible health insurance plans do.

How much money can a person put in? Please consult the IRS website for annual contributions at

How much will early withdrawal cost? All withdrawals are subject to income tax. There is also additional taxation for early withdrawal if you take out money for something besides medical expenses.

  • Interest is paid at rate adjusted by bank on average collected balance
  • Unlimited check writing
  • Minimum opening balance of $1,500
  • $15 annual check card fee
  • No interest paid if balance falls below $1,500

See if you are eligible