Deal has ended, view more bank account bonuses by clicking here.
Update 10/3/23: Extended through 12.31.23
Update 7/4/23: Extended through 09.30.23.
Update 3/25/23: Deal is back through 06.30.23.
Update 10/19/22: Extended through 12.31.22.
Update 7/4/22: Extended through 09.30.22
Update 4/2/22: Extended through 06.30.22.
Update 1/5/22: Extended through 03.31.22.
Update 10/4/21: Extended through 12/31/21
Update 7/6/21: Extended until 09/30/2021.
Offer at a glance
- Maximum bonus amount: $100
- Availability: MN & WI only, maybe be able to join if a family member is already a member
- Direct deposit required: Yes, no minimum specified
- Additional requirements: 5 check card transactions
- Hard/soft pull: Hard pull (Equifax)
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Account must remain open for six months
- Expiration date:
December 31st, 2016 June 30th, 2017September 30th, 2017 December 31st, 2017 June 30th, 2018 September 30th, 2018December 31st, 2018March 31st, 2019 June 30th, 2020 September 30th, 2020 December 31, 2020March 31, 2021June 30, 2021
The Offer
- Open a new Spire checkng account and receive a bonus of $100 when you do the following:
- set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions within 60 days
The Fine Print
- Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months.
- $100 minimum balance required to open checking account.
- To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 5 SPIRE debit card transactions within 60 days.
- Account must remain open for six months.
- $100 will be deposited to the checking account upon account opening.
- If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100.
- Account holder responsible for any applicable taxes.
- Limited time offer valid 10.01.16 – 12.31.16. Subject to termination at any time.
Avoiding Fees
This is a free checking account, you do need to keep the account open for six months to avoid any fees.
Our Verdict
The fact that it’s a hard pull to open the account kills the deal, you’d be better off signing up for a credit card with a high cash sign up bonus instead. You can view a list of the checking sign up bonuses we do recommend (and without hard pulls) by going here.
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
DD Report
Applied 3/25. Approved 3/27. Did get a phone call about why I’ve opened so many accounts recently.
Bonus posted 3/27. Debit card arrived 4/3 (had to request — i get the impression they may not enforce the 6 transaction requirement given you have to opt into a debit card but bonus already posted).
Let an employer DD hit 3/31 and ran 6 transactions against debit card.
Super easy bonus.
Hard to get exited about only $100 bonus.
This offer is back. Limited time offer valid 01.01.23 – 06.30.23
William Charles
https://www.myspire.com/Spend/Free-Checking
Fastest paid bonus ever, I’m 17 accounts in last 12mo, 8 in 3mo.
3/10 applied
3/11 sent utility bill and W2 (as requested by email for proof of identity)
3/12 $100 bonus
Will pay a utility bill and 6 x $1.- Amazon gift cards by 5/5
Can close account after 6 months (~9/11)
Go for it! I was reluctant for a while.
Do you recall if there was any CC funding?
Pro tip: you can double dip the $100 bonus with the St Paul Saints checking so you get $100 plus two free tickets to the Saints. When you ask for the promo, tell them you want to do the Saints account and ask if you can get the tickets too. Because of the pandemic there will not be Saints games this summer, but I imagine you can use the voucher next year.
This deal is back from 1.1.20 – 03.31.20
https://www.myspire.com/About/Current-Promos
Still on…
“Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months. $100 minimum deposit required to open Free checking account. $50 minimum deposit required to open a Saints or Teen checking account. To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions within 60 days. Account must remain open for six months. $100 will be deposited to the checking account upon account opening. If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100. Account holder responsible for any applicable taxes. Limited time offer valid 7.1.18 – 9.30.18. Subject to termination at any time. Other conditions and restrictions may apply.”
Did this bonus today and came home with a 150$ cash, i did the auto loan bonus refinance offer which they gave 50$ for because they couldn’t beat my current APR.
yes , but i don’t think they use chex at all
“The fact that it’s a hard pull to open the account kills the deal, you’d be better off signing up for a credit card with a high cash sign up bonus instead.”
The downside to what you’re saying is it takes a toll on your 5/24 status while the checking does not. I agree it’s a lower checking bonus than others, but would definitely rather HP for a checking than a new CC at this point because I’m close to getting out of 5/24 hell, just in time for the new SouthWest “Premium Card”.
Offer has been extended through 6/30/18.