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
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!
Kasasa Cash®
Earn money (dividends) automatically on account balance
Features
Monthly Maintenance Fee
$0
Opening Deposit
$100
Minimum Balance
$0
Benefits
Earn dividends monthly on average daily balance (Annual Percentage Yield)
5.00% APY²
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.
Membership Savings with $10 balance
Start earning more on your account balance!
Kasasa Cash Back®
Earn cash back on all your debit card purchases
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
4.00%
up to $10 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.
Membership Savings with $10 balance
Get cash back on debit card purchases!
Aspire Checking
Earn money (dividends) automatically on account balance
Features
Monthly Maintenance Fee
$01
Opening Deposit
$100
Minimum Balance
$1,500
Benefits
Earn dividends monthly on average daily balance (Annual Percentage Yield)
0.25% APY¹
on account balance if average daily balance for the month is $1,500 or greater
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.
Membership Savings with $10 balance
Start earning more on your account balance!
Simply Checking
Manage your spending and easily access your money
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.
Kasasa Cash®
Kasasa Cash Back®
Aspire Checking
Simply Checking
Choose the account that's right for you!
Earn money (dividends) automatically on account balance
Earn cash back on all your debit card purchases
Earn money (dividends) automatically on account balance
Manage your spending and easily access your money
Features
Monthly Maintenance Fee
$0
$0
$01
$5
Opening Deposit
$100
$100
$100
$0
Minimum Balance
$0
$0
$1,500
$0
Benefits
Earn dividends monthly on average daily balance (Annual Percentage Yield)
5.00% APY² on account balance up to $15,000 if qualifiers are met for kasasa cash
0.05% APY if qualifiers are not met
N/A
0.25% APY¹ on account balance if average daily balance for the month is $1,500 or greater
N/A
Get Cash Back on Debit Card purchases
N/A
4.00% up to $10 per cycle if qualifiers are met for kasasa cash back
N/A
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.
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.
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 cash back on debit card purchases!
Start earning more on your account balance!
Keep things simple with Simply Checking.
Account Access
All Spero checking accounts come with the following account access options.
Debit Card with EMV Chip
With your debit card, you can access money from your linked account.
MONEYLINK™ Online Banking
Access your account from wherever your are, whenever you'd like.
Last, but not least:
¹$0 monthly cost if account's average daily balance for the month is $1,500 or greater. Otherwise, the monthly maintenance cost is $10. Annual Percentage Yield (APY) is valid as of 9/23/2022 and is subject to change without notice.
²"Kasasa Cash" and "Kasasa Cash Back" are trademarks of Kasasa Ltd., registered in the U.S.A. Annual Percentage Yield (APY) is valid as of 03/1/2023 and is subject to change without notice. Account subject to credit approval.
Membership required.