Online Account Opening - Savings and Checking - Native App with Sig - Redirect Header Image

Note: Your privacy is very important to us. To better serve you, the form information you enter is recorded in real time.

Open a New Account

You can now become a member and open a Savings and Checking Account online in under 20 minutes!

To become a member and open accounts online, you will need the following:

  • Passport or ID
  • Social Security Number
  • Mobile Phone
  • Credit or Debit Card ($5 membership share)

Don't have an Alaska ID?
If you use an out-of-state ID to identify yourself you will need to upload proof of address. 

Thank you for choosing Spirit of Alaska FCU! 

Once a member, always a member. Let's get started!

Frequently Asked Questions

Membership Requirements

U.S. Citizenship*
If so, please list countries here.

Contact Information

Name*
Are you submitting this application because you are already applying for a loan?*
Are you submitting this application because you are a new employee of Spirit of Alaska?*

Choose your Savings Account

You are in the process of joining the credit union! Everyone who joins a Credit Union opens a Savings or Money Market Account to hold their "share". Click the links below for more information.

Types of Savings Accounts 

Types of Money Market Accounts

A Savings account gives you:

  • Paper Statements mailed to you
  • Online and Mobile banking
  • 6 free electronic or over-the-phone transactions per month
  • Unlimited transactions in a branch, at an ATM, or through the mail

Fees associated with this type of account:

  • $3.00 monthly paper statement fee 
  • $1.00 monthly account maintenance fee (waived with an open Checking account or $100 deposited)
  • $10.00 excessive withdrawal fee (for each online banking transfer over 6 per month)

For a list of all fees please reference the Pricing Guide.

An e-Savings account gives you:

  • Statements and documents delivered electronically
  • Online and Mobile banking
  • 6 free electronic or over-the-phone transactions per month
  • Unlimited transactions in a branch, at an ATM, or through the mail

Fees Associated with this type of account:

  • $1.00 monthly maintenance fee (waived with an open Checking account or $100 deposited)
  • $10.00 excessive withdrawal fee (for each online banking transfer over 6 per month)

For a list of all fees please reference the Pricing Guide.

A Money Market account gives you:

  • Paper Statements mailed to you
  • Tiered interest rates (see money market interest rates)
  • Online and Mobile banking
  • 6 free electronic or over-the-phone transactions per month
  • Unlimited transactions in a branch, at an ATM, or through the mail
  • $2,500 minimum balance

Fees Associated with this type of account:

  • $3.00 monthly paper statement fee
  • $10.00 excessive withdrawal fee (for each online banking transfer over 6 per month)

For a list of all fees please reference the Pricing Guide.

An e-Money Market account gives you:

  • Statements and documents are delivered electronically
  • Tiered interest rates (see money market interest rates)
  • Online and Mobile banking
  • 6 free electronic or over-the-phone transactions per month
  • Unlimited transactions in a branch, at an ATM, or through the mail
  • $2,500 minimum balance

Fees Associated with this type of account:

  • $10.00 excessive withdrawal fee (for each online banking transfer over 6 per month)

For a list of all fees please reference the Pricing Guide.

Will this be a joint account?*

Both the primary and joint applicants must contribute to this application.

The cost of opening an account is the same for individual and joint accounts. 

Both applicants will have the opportunity to verify their identity at the end of this application.

Are you also interested in opening up a checking account?*

Perfect! You are in the right place to apply for both a Savings and Checking account.

Since you indicated that you would like to open a joint account, both your Checking and Savings accounts will be joint. 

Primary Applicant Information

Name*
Your social security number is securely encrypted. Enter number with no dashes.
Issue Date*
Expiration Date*
Date of Birth*

Primary Applicant Contact Information

Residential Address*
Is your mailing address different than your physical address?*
Mailing Address*

Joint Applicant Information

Name*
Your social security number is securely encrypted. Enter number with no dashes.
Issue Date*
Expiration Date*
Date of Birth*

Joint Applicant Contact Information

Use the same address as the primary applicant*
Residential Address*
Is your mailing address different than your physical address?*
Mailing Address*

Proof of Address

Do you currently possess a valid Alaska ID or drivers license?*
Do both applicants for the account possess valid Alaska ID or drivers licenses?*

Proof of address is required for applicants who do not have a valid Alaska ID

You will have the opportunity to take a photo of a valid document when you verify your identity at the end of this application.

Valid documents must be dated in the last 90 days:

  1. Utility bill with your name and address
  2. Bank statement with your name and address
  3. Lease agreement with your name and address
  4. Other document with your name and address

Proof of address is required for applicants who do not have a valid Alaska ID

Both the primary and joint applicants will have the opportunity to take a photo of valid documents when you verify your identities at the end of this application.

Valid documents must be dated in the last 90 days:

  1. Utility bill with your name and address
  2. Bank statement with your name and address
  3. Lease agreement with your name and address
  4. Other document with your name and address

Choose your Checking Account

Choose a checking account to see details of that account.
Choose a checking account to see details of that account.

Simple Checking Account:

If you want simplified banking, Simple Checking is a good choice!

  • Paper statements or electronic statements and documents
  • Unlimited checks and debit transactions
  • No minimum balance to open ($250 minimum balance to avoid fees)
  • Online and Mobile Banking
  • Debit Card & Overdraft Protection available for most accounts
  • Earn reward points for your debit purchases

Fees:

  • $5 monthly fee if the minimum daily balance is below $250
  • $3 monthly paper statement fee (waived with electronic statements)

More information can be found here: Simple Checking Account

Prime Checking Account:

Earn interest with a checking account that loves you back!

  • Earn interest if your balance is between $1k and $10k
  • Electronic Statements (No paper statements)
  • Unlimited check-writing and debit transactions
  • No minimum balance to open ($250 minimum balance to avoid fees)
  • Online and Mobile Banking
  • 50% off a safe deposit box for 2 years
  • One free box of checks when you open the account
  • Overdraft protection available for most accounts
  • Free Bill Pay
  • Earn reward points for your debit purchases

Fees:

  • $10 monthly fee if the minimum daily balance is below $250

More information can be found here: Prime Checking Account

E-Z Checking Account:

A paperless, digital checking account

  • Perfect for people who do not want to deal with paper checks or statements!
  • Electronic Statements (No paper statements)
  • Unlimited debit transactions
  • No monthly fees!
  • No minimum balance
  • Online and Mobile Banking
  • Overdraft protection available for most accounts
  • Free Bill Pay, in case you need to pay with a check
  • Earn reward points for your debit purchases

Fees:

  • No monthly fees!
  • $2.00 check writing fee (free if you use Bill Pay)

More information can be found here: E-Z Checking Account

Prestige Checking Account:

A checking account tailored to our members 55 and older!

If you’re over 55, you’re probably looking for a program that offers you courtesy and flexibility. Some accounts require you to pay regular fees or deny you the ability to receive paper statements. Prestige Checking combines many popular features you’ve gotten used to. You’ll have everything from paper statements to overdraft protection at no extra cost, so you can use your account without worry.

  • Only for members 55 years or older
  • No monthly maintenance fees
  • No minimum balance to open
  • Debit card
  • Unlimited check writing
  • Online and Mobile Banking
  • Your choice of paper or electronic statements
  • Overdraft protection available for most accounts
  • Earn reward points for your debit purchases

Fees:

  • No fees!

More information can be found here: Prestige Checking Account


Because you are applying for a joint Savings account, this account must also be joint. Both the primary and joint applicants must contribute to this application. Both applicants must also verify their identities at the end of the application, and electronically sign the account documents that will be sent via email.

Overdraft Protection Options

We get it - overdrafts happen. You get to decide how they are handled!

  1. You can choose to have a debit card overdraft be paid or declined. 
  2. You can choose to transfer money from your savings account to cover an overdraft.
  3. You can choose to enroll in Courtesy pay, which will automatically cover most overdrafts.

Find more information here: Overdraft Protection or call us at 907-459-5900.

Do you want Spirit of Alaska FCU to authorize and pay overdrafts on everyday debit card transactions?*
Click yes to see more information

You get to decide if you want Spirit of Alaska to authorize overdraft transactions for everyday debit purchases. 

For example, you have $5 in your checking account and make a $10 purchase with your debit card. Do you want that transaction to be successful, or do you want it to decline?

This selection means that a $10 everyday debit charge would go through, even if you only have $5 in your account.

NOTE: Overdraft fees would apply in this situation

This selection means that a $10 everyday debit charge would decline if you only have $5 in your account.

Do you want to use account transfers from savings to protect yourself from overdrafts?*
Click yes to see more information

Account Transfers:

Automatically draw money from your savings account in case of an overdraft. In general, savings account transfers are the most cost-effective method for handling overdraft transactions.

  • $7.50 daily transfer fee
  • Only pay one daily account transfer fee, even if there are multiple overdraft transactions on your account
  • Link 1 Savings account to each Checking account
  • Credit check not required for savings transfers
  • Additional fees apply after 6 transactions a month
Would you like to enroll in Courtesy Pay?*
Click yes to see more information

Courtesy Pay: 

Courtesy Pay is an overdraft protection program from Spirit of Alaska FCU that extends temporary credit to cover overdrafts on your checking account from both checks and debit transactions. For qualified members, Courtesy Pay will cover any charges, including fees, up to your overdraft protection limit. 

  • $30 Courtesy Pay fee per overdraft transaction 
  • Requires credit approval 
  • Maximum of 4 Courtesy Pay fees charged per day 
  • Total overdrafts cannot exceed $500, including fees

We encourage our members to practice sound financial habits and keep their accounts positive, however, members do have 30 days to bring their accounts back to active status. Every day your account is in overdraft a $3 fee will be assessed.

*

Your Debit Card

Would you like us to mail you your debit card?*
Would you like a complimentary book of checks?*
Would you like us to contact you about ordering checks?*
Free checks do not come with your selected account

Fund Your New Account(s)

How would you like to fund your account?*

You can fund your account in a branch once your application is complete. A member service representative will give you a call once your application has been processed. 

NOTE: If your account is opened, but you fail to fund your account within 30 days, the account will be closed.


Your card will be charged the following:

  • $5 to go into your new savings account (required)
  • Additional amount that you specify to fund your account(s)
Name on Card*
Expiration Date*

Below, we have calculated the additional funding amount that is required in order to meet the minimum balance requirements of your selected accounts. You can always go back and change which accounts you have selected.

You selected a Regular Savings account which has a minimum balance of $100. We recommend that you enter an additional funding amount of at least $95 in order to avoid the $3 monthly maintenance fee.

You selected an E-Savings account which has a minimum balance of $100. We recommend that you enter an additional funding amount of at least $95 in order to avoid the $1 monthly maintenance fee. 

You selected a Money Market account which has a minimum balance of $2,500. We recommend that you enter an additional funding amount of at least $2,495 in order to avoid any fees.

You selected an  e-Money Market account which has a minimum balance of $2,500. We recommend that you enter an additional funding amount of at least $2,495 in order to avoid any fees.

You have selected a Regular Savings account and a Simple Checking account. We recommend that you enter an additional funding amount of at least $250 in order to meet the minimum balance requirement and avoid any fees.

You have selected a Regular Savings account and a Prestige Checking account. No additional funding amount is required for these accounts.

You have selected an E-Savings account and a Simple Checking account. We recommend that you enter an additional funding amount of at least $250 in order to meet the minimum balance and avoid any fees.

You have selected an E-Savings account and a Prime Checking account. We recommend that you enter an additional funding amount of at least $250 in order to meet the minimum balance and avoid any fees.

You have selected an E-Savings account and an E-Z Checking account. There is no minimum balance for these accounts.

You have selected an E-Savings account and a Prestige Checking account. There is no minimum balance for these accounts. 

You have selected a Money Market account and a Simple Checking account. We recommend that you enter an additional funding amount of at least $2,745 in order to meet the minimum balance and avoid any fees.

You have selected a Money Market account and a Prestige Checking account. We recommend that you enter an additional funding amount of at least $2,495 in order to meet the minimum balance and avoid any fees.

You have selected an E-Money Market account and a Simple Checking account. We recommend that you enter an additional funding amount of at least $2,745 in order to meet the minimum balance and avoid any fees.

You have selected an E-Money Market account and a Prime Checking account. We recommend that you enter an additional funding amount of at least $2,745 in order to meet the minimum balance and avoid any fees.

You have selected an E-Money Market account and an E-Z Checking account. We recommend that you enter an additional funding amount of at least $2,495 in order to meet the minimum balance and avoid any fees.

You have selected an E-Money Market account and a Prestige Checking account. We recommend that you enter an additional funding amount of at least $2,495 in order to meet the minimum balance and avoid any fees.

$
Enter 0 to only fund the account with the required $5. Enter our recommendation above to avoid any fees. Click outside of the textbox and the below fields will calculate automatically.
$
This value calculates automatically.
$
This is the amount that will be charged to your card. This value calculates automatically.

So long as you entered an additional funding amount that is greater than or equal to the recommendation above, we will allocate your funds so that you meet the minimum balance requirements for both of your accounts. Any additional funds will be deposited into your Savings account. 

Account Options

Please read the Privacy Statement and determine if you would like to receive marketing materials from Spirit of Alaska.

Notices of changes to your account or available statements will still be emailed to you.

I certify that the above selection is correct.*
We certify that the above selection is correct.*

You can always change your marketing selection by contacting us at 907-459-5900

Account Disclosures

Please review your account disclosures and agreements below. These documents contain the terms and conditions that will apply to your account(s). Once you have read the disclosures and agreements, please click the checkbox to acknowledge you have done so.

You have the option to print or save these disclosures and retain them for your records. If you cannot view the PDF disclosures, get Adobe Reader.

Disclosures Agreement*

Credit Report Access Authorization

I/We authorize Spirit of Alaska Federal Credit Union (the "Financial Institution") to access our credit file(s) to facilitate the processing of this application for this Spirit of Alaska Federal Credit Union account only. I/We understand that I/we may be asked questions based on the information in our credit file(s) as part of this process. I/We also understand that the Financial Institution may review our credit history and past banking relationships before accepting this application.

Backup Withholding

By agreeing to one of the statements and clicking the "Next" button below:

  • I agree to the following statement: Under penalties of perjury, I certify that the taxpayer identification number (SSN) shown on this online form is my correct taxpayer identification number.
Most people are not subject to backup withholding

I am not subject to backup withholding:

  • (a) I am exempt from backup withholding or
  • (b)  I have not been notified by the Internal Revenue Service (IRS) that I  am subject to backup withholding as a result of a failure to report all  interest or dividends.
  • (c) The IRS has notified me that I am no  longer subject to backup withholding and I am a U.S. person (including  U.S. resident alien) or
  • (d) I am exempt from FACTCA reporting

I am subject to backup withholding:

I am subject to backup  withholding because I have been notified by the Internal Revenue Service  (IRS) that I am subject to backup withholding as a result of a failure  to report all interest or dividends. I am a U.S. person (including U.S.  resident alien) or and I am exempt from FACTCA reporting.

Just a Few More Questions

The following questions help us to understand how you will use the account.

These answers are non-binding, and are used to help us identify fraud and protect your account.

What is your employment status?*
Are you a frequent traveler?*
Do you travel outside the US?*
This helps us prevent international fraud on your account
Will you deposit or write checks?*
Will you be using mobile deposit capture to deposit checks?*
Will you send or receive wire transactions?*
Will these wires be sent to or received from non-US locations?*
Will you send or receive electronic (non-wire) transactions?*
Will these electronic transactions be sent to or received from non-US locations?*

Identity Verification

Just one more step!

We are required by law to verify your identity before opening your account. Your identity is verified through the ID Pal mobile app. 

What you need:

  • 5 minutes
  • Mobile phone
  • Drivers license or passport

After you submit this application you will be automatically redirected to download the ID-Pal App.

Frequently Asked Questions

Just one more step!

We are required by law to verify your identity before opening your account. Your identity is verified through the ID-Pal mobile app. 

What you need:

  • 5 minutes
  • Mobile phone
  • Drivers license or passport
  • Proof of Address

After you submit this application you will be automatically redirected to download the ID-Pal App.

Frequently Asked Questions

Just one more step!

We are required by law to verify the identities of both applicants before opening your account. Your identity is verified through the ID-Pal mobile app.

What you need:

  • 5 minutes
  • Mobile phone
  • Drivers license or passport

After submitting this application you will be automatically redirected to download the ID-Pal App.

If you are on a computer:

You can type in both applicant's phone numbers one by one and both applicants will receive a link to download the app.

If you are on a mobile phone:

After the primary applicant is done verifying their ID, you can click "Go to home screen" and then "Create a New Submission" for the joint applicant.

Frequently Asked Questions

We are required by law to verify the identities of both applicants before opening your account. Your identity is verified through the ID Pal mobile app. Once complete please return to this page and click 'next'.

Let's start with the primary account applicant:

What you need:

  • 5 minutes
  • Mobile phone
  • Drivers license or passport
  • Proof of Address

Secure Link:

Click Here to Verify Your Identity

Frequently Asked Questions

Identity Verification

Just one more step!

Let's verify the joint applicant

What you need:

  • 5 minutes
  • Mobile phone
  • Drivers license or passport
  • Proof of Address

Secure Link:

Click Here to Verify Your Identity

Remember to return to this application and click submit!

Frequently Asked Questions

*
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