918.567.2255

Spiro State Bank offers several checking accounts for all needs. Our knowledgeable and friendly customer service team can help you find the right fit.

Regular Checking

  • Minimum opening deposit $100
  • Unlimited check writing
  • No statement fee with minimum statement period balance of $1,000 or above
  • Tiered statement fee if your statement period balance falls below $1,000 and debit transactions exceed 20 per statement period
  • Non-interest bearing
  • ATM/debit card at account opening on eligible customers
  • No transaction fees at Spiro State Bank ATMs
  • Personal online banking
  • 24-hour telephone banking
  • Monthly statements with check images

Emerald Checking

  • Available exclusively to individuals age 55 and up
  • Minimum opening deposit $100
  • Unlimited check writing
  • No statement fee with minimum statement period balance of $500
  • $5.00 statement maintenance fee if your balance falls below $500 during the statement period
  • Personalized Emerald Account checks
  • No charge for 10 money orders and cashier’s checks per statement period
  • Non-interest bearing
  • ATM/debit card at account opening on eligible customers
  • No transaction fees at Spiro State Bank ATMs
  • Personal online banking
  • 24-hour telephone banking
  • Monthly statements with check images

Contact a New Account Representative for terms and rates.

Custom checks with the click of a button

Spiro State Bank makes ordering your checks easy. Follow the link below to make your custom order now!

Super Now Accounts

  • Minimum opening deposit $100
  • Unlimited check writing
  • $3.50 statement fee, plus $.10 per debit processed, if your statement balance is $500 and above
  • $6.00 statement fee, plus $.10 per debit processed, if your statement balance falls below $500
  • Interest bearing account, compounded daily and credited to account monthly
  • Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
  • Tiered Interest Rate Structure
  • ATM/debit card at account opening on eligible customers
  • No transaction fees at Spiro State Bank ATMs
  • Personal online banking
  • 24-hour telephone banking
  • Monthly statements with check images

Money Market Accounts

  • Minimum opening deposit $5,000
  • Limit of six debit transactions per statement period
  • Transfers between your accounts at Spiro State Bank initiated in person, by mail, messenger, or ATM are unlimited
  • No statement fee with minimum statement period balance of $5,000
  • $3.50 statement fee, plus $.10 per debit processed, if your statement balance is below $5,000 and above $500
  • $6.00 statement fee, plus $.10 per debit processed, if your statement balance falls below $500
  • Interest bearing account, compounded daily and credited to account monthly
  • Interest rate established at the discretion of the bank. The interest rate and annual percentage yield may change.
  • Tiered Interest Rate Structure
  • ATM/debit card at account opening on eligible customers
  • No transaction fees at Spiro State Bank ATMs
  • Personal online banking
  • 24-hour telephone banking
  • Monthly statements with check images

Contact a New Account Representative for terms and rates.