This spring, 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 .25% APY when your balance is between $1k and 10k
- New checking accounts receive a free box of checks ($30 value)
- Qualify for a two year 50% discount on a safe deposit box
- Comes with debit card and online banking through e-Teller.*
- No fee to use Bill Pay
- Overdraft Protection available
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
Spirit of Alaska for the win! I've been with them since 1998 and still love them!- A.G., Facebook Review
*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). Box of checks not to exceed $30.00 in value. Limitations may apply.
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 Bal. to earn Dividends Dividend Rate APY*
Prime Checking ** Tier 1
$250.00 $1,000.00 - $10,000.00 .25% .25%
Prime Checking Tier 2
$250.00 $10,000.01 and up .05% .05%
*Annual Percentage Yield. Current as of April 14th 2017. 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.
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 you to sign up to receive online statements.
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.
- Is there a minimum balance to open?