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.