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Personal Checking Accounts

Take your finances to new heights with the right checking account.

A checking account is one of the essential tools in your financial toolbox. Since you use it for everything from everyday spending to big-ticket purchases, the right account can set you up to soar financially. Whether you just want convenient access to your money or prefer to earn rewards based on your account balances and activity, our checking accounts offer the ideal combination of benefits and convenience.

Compare Checking Accounts

Personal Checking Accounts

Compare Checking Accounts

Do more with your money! Take your finances to a higher level with these checking account options.

Choose the account that's right for you!

Aspire Checking

Earn money (dividends) automatically on account balance

Learn More about aspire checking

Features

Monthly Maintenance Fee

$0

Opening Deposit

$100

Minimum Balance

$1,500

Benefits

Earn dividends monthly on average daily balance (Annual Percentage Yield)

N/A

Get Cash Back on Debit Card purchases

N/A

ATM Fee Refunds

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Additional Benefits

Optional:

Protect+ Package

Membership Savings with $10 balance

Start earning more on your account balance!

Get Started with aspire checking

Kasasa Cash®

Earn money (dividends) automatically on account balance

Learn More about kasasa cash

Features

Monthly Maintenance Fee

$0

Opening Deposit

$100

Minimum Balance

$0

Benefits

Earn dividends monthly on average daily balance (Annual Percentage Yield)

3.00% APY
on account balance up to $15,000 if qualifiers are met for kasasa cash

0.05% APY
if qualifiers are not met

Get Cash Back on Debit Card purchases

N/A

ATM Fee Refunds

Up to $25 per month on Nationwide ATMs if qualifiers are met for kasasa cash

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Additional Benefits

Optional:

Protect+ Package

Membership Savings with $10 balance

Start earning more on your account balance!

Get Started with kasasa cash checking account

Kasasa Cash Back®

Earn cash back on all your debit card purchases

Learn More about kasasa cash back

Features

Monthly Maintenance Fee

$0

Opening Deposit

$100

Minimum Balance

$0

Benefits

Earn dividends monthly on average daily balance (Annual Percentage Yield)

N/A

Get Cash Back on Debit Card purchases

3.00%
up to $9 per cycle if qualifiers are met for kasasa cash back

ATM Fee Refunds

Up to $25 per month on Nationwide ATMs if qualifiers are met for kasasa cash back

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Additional Benefits

Optional:

Protect+ Package

Membership Savings with $10 balance

Get cash back on debit card purchases!

Get Started with kasasa cash

Simply Checking

Manage your spending and easily access your money

Learn More about simply checking

Features

Monthly Maintenance Fee

$5

Opening Deposit

$0

Minimum Balance

$0

Benefits

Earn dividends monthly on average daily balance (Annual Percentage Yield)

N/A

Get Cash Back on Debit Card purchases

N/A

ATM Fee Refunds

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Additional Benefits

Optional:

Protect+ Package

Membership Savings with $10 balance

Keep things simple with Simply Checking.

Get Started with simply checking

Aspire Checking

Kasasa Cash®

Kasasa Cash Back®

Simply Checking

Choose the account that's right for you!

Earn money (dividends) automatically on account balance

Learn More about aspire checking

Earn money (dividends) automatically on account balance

Learn More about kasasa cash

Earn cash back on all your debit card purchases

Learn More about kasasa cash back

Manage your spending and easily access your money

Learn More about simply checking

Features

Monthly Maintenance Fee

$0

$0

$0

$5

Opening Deposit

$100

$100

$100

$0

Minimum Balance

$1,500

$0

$0

$0

Benefits

Earn dividends monthly on average daily balance (Annual Percentage Yield)

N/A

3.00% APY on account balance up to $15,000 if qualifiers are met for kasasa cash

0.05% APY if qualifiers are not met

N/A

N/A

Get Cash Back on Debit Card purchases

N/A

N/A

N/A

ATM Fee Refunds

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Up to $25 per month on Nationwide ATMs if qualifiers are met for kasasa cash

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Up to $25 per month on Nationwide ATMs if qualifiers are met for kasasa cash back

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Access Spero ATMs, Advantage ATMs and over 30,000 shared banking ATMs for free.

Additional Benefits

Optional:
Protect+ Package

Optional:
Protect+ Package

Optional:
Protect+ Package

Optional:
Protect+ Package

Membership Savings with $10 balance

Start earning more on your account balance!

Get Started with aspire checking

Start earning more on your account balance!

Get Started with kasasa cash checking account

Get cash back on debit card purchases!

Get Started with kasasa cash

Keep things simple with Simply Checking.

Get Started with simply checking

Account Access

All Spero checking accounts come with the following account access options.

Visa Credit Cards

Debit Card with EMV Chip

With your debit card, you can access money from your linked account.

Free Online Banking

MONEYLINK Online Banking

Access your account from wherever your are, whenever you'd like.

Explore Features

Free Mobile Banking

Mobile Deposit

On the go? No problem! Make deposits easily with mobile deposit.

How It Works


Last, but not least:

"Kasasa Cash" and "Kasasa Cash Back" are trademarks of Kasasa Ltd., registered in the U.S.A.

View Fee Schedule

Not sure which checking account is right for you?

Speak with a Spero member advisor. We'll help you find the right fit!