Enjoy paperless, digital checking with no monthly fee or minimum balance. The E-Z Checking account is perfect for those who do not want to deal with paper checks and statements.
Step into digital banking, while avoiding any monthly maintenance fees or minimum balance requirements.
Feature-rich electronic checking account
Earn Rewards with your Debit Card!
Spirit of Alaska and uChoose Rewards® give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back!
You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more, just by using your Spirit of Alaska debit card every day.Read More
"Hello, I want to thank you for truly being a community bank. In particular J. at Geist, and J. and A.at Johansen really helped our family when our kids were out of town during a time when the ATM accounts were compromised. They made sure that the kids still had access to funds and received new cards as quickly as possible."-J.H.
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.
Account Type Min. Bal. to avoid fee Min. Bal. to Earn Dividends Dividend Rate APY*
$0.00 N/A N/A N/A
* APY = Annual Percentage Yield. Current as of 7 October 2022. 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.
Frequently Asked Questions
What is an all electronic checking account?
Simply put, E-Z checking does away with paper checks in favor of issuance of a debit card for your transaction needs. You will also never receive a paper statement but rather receive your monthly statements electronically through your e-Teller account.
Is there a minimum balance to open?
No. In fact, there’s no minimum balance to maintain and no monthly fee.
What if I need a paper check?
We can certainly provide you with paper checks at your convenience. There is a $2 fee per check (Bill Pay checks are exempt from the fee).
Does this account earn rewards?
Yes! Spirit of Alaska and uChoose Rewards give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back! After accumulating 2,000 points, you can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more.
To get started, visit uChooseRewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.
Spirit of Alaska debit cards earn 1 point per $2 spent on signature purchases, PIN-less debit transactions (such as bill pay), and PIN point-of-sale transactions.
- What is an all electronic checking account?