No. Fees. Period.

If you have a checking account with another financial institution, chances are you’re paying any number or combination of minimum balance, insufficient fund, withdrawal, service or overdraft fees. Why pay high fees and penalties if you don’t have to? At Spirit Financial you can open a no fee checking account with just $5. Apply online today and kick those pesky fees to the curb once and for all.

Checking Account Benefits:

  • No minimum balance

  • No monthly service fees

  • Free MasterCard Debit Card

  • Instant Issue

  • Overdraft Protection

  • 24-hour access via free Online Banking and Teller Line

The Spirit Financial Debit Card provides many benefits like being safer than carrying cash and EMV/Chip technology for added security.

Introducing Instant Issue Debit Cards!

Obtaining a new debit card has never been easier. August 1st we will be issuing debit cards on-site for new accounts, lost cards, broken cards, and card compromises. Just stop by our branch location after August 1st to obtain your instant issue card. Learn more by speaking to a Spirit Financial representative. Your convenience is always our priority!


Apply for membership online, call us at (267) 580-0230, or stop by our branch location.