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Home Prime Checking

Prime Checking

  • Overview

    Prime Checking

    Pick a checking account that loves you back.  Start earning easy interest with your primary checking account. There’s no minimum to open, and no requirement to use your debit card to earn interest at higher rates.

    Use a debit card, online Bill Pay, or unlimited checks with this flexible account! Plus, feel the love with free access to great services by keeping just $250 in your account.

    Oh, and did we mention the discount? 50% off a safe deposit box for two years!

    Apply online or come into any branch!

    Interest-bearing electronic account with many benefits

    • No Minimum Balance required. Start your account with $0, $10, or $1,000.
    • Earn .10% APY when your balance is between $1k and 10k
    • New checking accounts receive a complimentary box of checks featuring the Spirit of Alaska logo.
    • Qualify for a two year 50% discount on a safe deposit box
    • Comes with debit card and online banking through e-Teller.*
    •  Bill Pay available
    • Overdraft Protection available

    Spirit of Alaska for the win! I've been with them since 1998 and still love them!

    - A.G., Facebook Review

    Connect to Your Digital Wallet

    Apple Pay, Google Pay, Samsung Pay Icons

    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

    *Annual Percentage Yield. No minimum to open, but a savings account is required for membership with a $5 share. Account must maintain $250.00 daily minimum balance to avoid monthly maintenance fee. Account balance must be over $1000.00 to earn dividends. Must sign up for electronic delivery of documents (e-Statements). The complimentary box of checks will feature the Spirit of Alaska logo.

    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.

    Related Products and Services

    • Simple Checking
    • Online & Mobile Banking
    • Debit Cards
    • Safe Deposit Boxes

    Learn with Banzai

    • Coach: Create a Budget
    • Article: Quality vs. Cost
    • Article: Income & Expenses
    • Article: Checking Account Basics

    Resources

    • Pricing Guide
    • Notify us of Travel
    • Customize Your Debit Card
    • Lost & Stolen Cards
  • Rates
    Account Type Min. Bal. to avoid fee Bal. to earn Dividends Dividend Rate APY*

    Prime Checking ** Tier 1

    $250.00 $1,000.00 - $10,000.00 .10% .10%

    Prime Checking Tier 2

    $250.00 $10,000.01 and up .05% .05%

    *Annual Percentage Yield. Current as of July 15th 2020. Refer to our Pricing Guide (PDF) for all fees. Fees may reduce earnings. Rates are subject to change at any time.

    Dividends begin to accrue on the business day of the deposit. Dividends are calculated daily and compounded monthly. Dividends will be credited to your account on the last day of each statement cycle. If you close your account before the dividend is credited, you will not receive the accrued dividends. We use the daily balance method to calculate the dividends in your account. This method applies to a daily periodic rate to the principal in the account each day.

    **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 checking account application.

  • Calculator

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  • FAQ

    Frequently Asked Questions

    • Is there a minimum balance to open?

      No. There’s no minimum balance to open. However, you must maintain a minimum balance of $250 to avoid a $10 monthly maintenance fee.

    • Can I write as many checks as I want on this account?

      Yes, you have unlimited checking privileges with Prime Checking.

    • How do I order new checks?

      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.

    • Can I use a debit card with this account?

      Yes, all of our checking accounts come with a free debit card and access to online banking.

    • How can I waive the fee on this account?

      Maintain a balance of $250 from month to month.

    • I like receiving my statements in the mail to review. Does this account offer paper statements?

      No, this account requires your consent to receive your statement online.

  • Open an Account
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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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Alert:

Scammers are increasingly targeting financial accounts by posing as credit union or bank employees. Never share your one-time passcodes, authentication codes, debit/credit card numbers, or online banking passwords. Spirit of Alaska will never request these details over the phone, via email, or through text. If you receive a suspicious call, even if it appears to be from our official number, hang up and contact us directly at 907-459-5900 to verify.

Search

I need help with Prime Checking

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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