Overview
All your
CHECKING Needs
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!
Award-winning, innovative service for Interior Alaskans
- 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.*
- Bill Pay available
- Overdraft Protection 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
*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.
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
FAQ
FREQUENTLY ASKED QUESTIONS
No. There’s no minimum balance to open. However, you must maintain a minimum balance of $250 to avoid a $10 monthly maintenance fee.
Yes, you have unlimited checking privileges with Prime 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.
Maintain a balance of $250 from month to month.
No, this account requires your consent to receive your statement online.
Spirit of Alaska for the win! I've been with them since 1998 and still love them!
- A.G., Facebook Review