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Overview
Simple Checking
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!
A simple checking account
- No minimum balance to open
- Debit card & overdraft protection available for most accounts
- Online account access through e-Teller
- Paper or electronic statements & documents available
- Unlimited checks & debit transactions
- Free Bill Pay is 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
"Today I had a lot of bad customer service experiences, BUT you guys were great. I really appreciate it."
- member using Geist branchConnect 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.
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.
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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 27 January 2023. 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
This calculator is not supported for Internet Explorer. Please use an alternate browser, such as Edge, Firefox or Chrome. Alternatively, try this simple Budgeting Calculator.
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FAQ
Frequently Asked Questions
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Can I write as many checks as I want on this account?
Yes, you have unlimited checking privileges with Simple Checking.
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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.
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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.
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I like receiving my statements in the mail to review. Does this account offer paper statements?
Yes. You are not required to receive e-statements with Simple Checking.
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How can I waive the fee on this account?
Maintain a balance of $250 from month to month.
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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.
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Can I write as many checks as I want on this account?
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