Overview
Simple Checking
for you
Some people just appreciate simplicity when it comes to banking. Our Simple Checking account gives you all the basic checking benefits. If you don’t want to over complicate banking, Simple Checking is a good choice.
Not only can you spend and track your funds with ease, but you can also access overdraft protection if you need it. Plus, if your minimum daily balance is over $250, you get the monthly $5 fee waived!
Award-winning, innovative service for Interior Alaskans
- No minimum balance to open
- Debit card & overdraft protection available for most accounts
- Online account access
- Paper or electronic statements & documents available*
- Unlimited checks & debit transactions
- Free Bill Pay is available
Connect to your Digital Wallet
Spirit of Alaska debit cards can be added to your digital wallet for quick and convenient payments. Purchasing has never been easier and smarter, whether using your phone at checkout or with one click online.
Read more about Digital Wallets Connect to Apple Pay, Google Pay and Samsung Pay
Additional Information
Over 5,000 branches through shared branching. NCUA insured up to $250,000.
Check depositories available at our branch ATM’s and Peger Road ATM.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
*Fee applies for paper statements
Rates
| Account Type | Min. Bal. to avoid fee | Min. Bal. to Earn Dividends | Dividend Rate | APY* |
|---|---|---|---|---|
Simple Checking** |
$250.00 | N/A | N/A | N/A |
* APY = Annual Percentage Yield. Current as of [date]. Refer to our Pricing Guide (PDF) for all fees.
**Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.
Calculator
FAQ
FREQUENTLY ASKED QUESTIONS
Yes, you have unlimited checking privileges with Simple Checking.
You can order new checks through our online banking portal e-Teller, or you can speak to any Spirit of Alaska representative over the phone at any branch. They can order checks for you at a minimal cost.
Yes, all of our checking accounts come with a free debit card and access to online banking.
Yes. You are not required to receive e-statements with Simple Checking.
Maintain a balance of $250 from month to month.
"Today I had a lot of bad customer service experiences, BUT you guys were great. I really appreciate it."
- member using Geist branch