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Overview
Simple Checking
Some people just appreciate simplicity when it comes to banking. A 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 average 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
"Today I had a lot of bad customer service experiences, BUT you guys were great. I really appreciate it."
- member using Geist branchAdditional 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.
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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 18 July 2018. 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
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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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Can I write as many checks as I want on this account?
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