918.567.2255
FDIC‑Insured – Backed by the full faith and credit of the U.S. Government
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.