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

Become a Member

Open a Savings and Checking Account online in under 15 minutes.

As a thank you for opening your accounts online, we will deposit $5 into your account!

To open a membership for your business click here.

Existing members can open additional accounts here.

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

ID or Passport
Social Security Number
Mobile Phone

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

Please select your qualification for membership*

U.S. Citizenship*

I/We verify my/our U.S. citizenship and that I am 18 years of age.

Do you have citizenship with any other country?

If so, please list countries here.

Contact Information

Name*

First Name

Last Name

Phone*

Email*

Are you submitting this application because you are already applying for a loan?*

No Yes

Are you submitting this application because you are a new employee of Spirit of Alaska?*

No Yes

Choose your Savings Account

Everyone who joins a Credit Union opens a Savings or Money Market Account to hold their $5 "share". Because you are opening an account online, we will cover the $5! Click the links below for more information on our Savings Accounts

Types of Savings Accounts

Types of Money Market Accounts

What type of share account do you want to open?*

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?*

Yes No

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?*

Yes No

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*

First Name

Middle Name (optional)

Last Name

Title

Suffix

Social Security Number*

Your social security number is securely encrypted. Enter number with no dashes.

ID or Passport Number*

Issue Date*

Expiration Date*

ID State*

State

Date of Birth*

Mother's Maiden Name*

Employer*

Employer Phone Number*

Primary Applicant Contact Information

Phone*

Email*

Residential Address*

Address Line 1

Address Line 2

City

State

ZIP Code

Is your mailing address different than your physical address?*

Yes No

Mailing Address*

Address Line 1

Address Line 2

City

State

ZIP Code

Joint Applicant Information

Name*

First Name

Middle Name (optional)

Last Name

Title

Suffix

Social Security Number*

Your social security number is securely encrypted. Enter number with no dashes.

ID or Passport Number*

Issue Date*

Expiration Date*

Date of Birth*

Mother's Maiden Name*

Employer*

Joint Applicant Contact Information

Phone*

Email*

Use the same address as the primary applicant*

Yes No

Residential Address*

Address Line 1

Address Line 2

City

State

ZIP Code

Is your mailing address different than your physical address?*

Yes No

Mailing Address*

Address Line 1

Address Line 2

City

State

ZIP Code

Proof of Address

Do you currently possess a valid Alaska ID or drivers license?*

Yes No

Do both applicants for the account possess valid Alaska ID or drivers licenses?*

Yes No

Proof of address is required for applicants who do not have a valid Alaska ID. This helps us prove that you live within our membership area.

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:

Utility bill with your name and address
Bank statement with your name and address
Lease agreement with your name and address
Other document with your name and address

Valid document must show proof of address within our membership area.

Proof of address is required for applicants who do not have a valid Alaska ID. This helps us prove that you live within our membership area.

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:

Utility bill with your name and address
Bank statement with your name and address
Lease agreement with your name and address
Other document with your name and address

Valid documents must show proof of address within our membership area.

Choose your Checking Account

What type of checking account would you like to open?*

Choose a checking account to see details of that account.

What type of checking account would you like to open?*

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

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

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

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

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!

You can choose to have a debit card overdraft be paid or declined.
You can choose to transfer money from your savings account to cover an overdraft.
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?*

Yes No

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?*

Yes No

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?*

Yes No

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.

The above selections are correct

Your Debit Card

Would you like us to mail you your debit card?*

Yes, mail it to me No, I will pick it up in a branch I do not want a debit card

Would you like a complimentary book of checks?*

Yes, mail it to me Yes, I will pick it up in a branch No, I do not want checks

Would you like us to contact you about ordering checks?*

Yes, contact me No, I am not interested

Free checks do not come with your selected account

Transfer Funds to Your New Account(s)

To thank you for opening your account online, the Credit Union will deposit $5 into your Savings Account to cover your membership share. If you wish, you can transfer additional funds to your account at this time.

How would you like to fund your account?*

With a debit or credit card At a branch I do not want to add additional funds at this time

You can add additional funds to your account in a branch once your application is complete.

Your card will be charged the following:

Additional amount that you specify to fund your account(s) (optional)

Credit or Debit Card Number*

Name on Card*

First Name

Initial (optional)

Last Name

Verification Code (CVV)*

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.

Additional Funding Amount ($3,000 Maximum)* $

This is the amount that will be charged to your card.

Total Amount that will be charged to your card: $

This value calculates automatically.

Balance of Your New Accounts $

If 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 Communication Options

Please let us contact you regarding giveaways, promotions, and member events. Don't worry, we only send 1-3 communications a month.

Are you sure?

We don't send many communications, and it would be a shame if you missed out on some of the benefits of being a member such as giveaways and free food!

Benefits:

Opportunities to win free stuff, including cash!
Stay in the loop about member events such as the member picknick and annual meeting (Free food!)
Be the first to know when we roll out new features to make your account even better!

We will not flood your inbox with spam!

I've changed my mind, sign me up! No, please don't email me

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

View our full Privacy Statement. You can always change your communication 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*

I/we confirm that I have read and agree to the terms of the Account Disclosures above.

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.

Backup Withholding*

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.

Credit Report Authorization

Applying for additional deposit accounts will never impact your credit score. But we might check your credit as part of the application process.

I agree, and authorize Spirit of Alaska FCU to access my credit report

We agree, and authorize Spirit of Alaska FCU to access our credit reports

By submitting this application, each person named in the application consents to the following: I authorize Spirit of Alaska Federal Credit Union to access my credit report, in order to qualify me for products and services. I understand that only a "soft" credit pull will be conducted during the account opening process, which will not affect my credit score. I understand that I may not qualify for certain products and services due to the information contained in my credit report.

Why did you choose Spirit of Alaska?*

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

Both applicants have successfully submitted identity documents through IDPal

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Campaign Name

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Progress

Become a Member

Thank you for choosing Spirit of Alaska FCU!

Membership Requirements

Contact Information

Choose your Savings Account

A Savings account gives you:

Fees associated with this type of account:

An e-Savings account gives you:

Fees Associated with this type of account:

A Money Market account gives you:

Fees Associated with this type of account:

An e-Money Market account gives you:

Fees Associated with this type of account:

Primary Applicant Information

Primary Applicant Contact Information

Joint Applicant Information

Joint Applicant Contact Information

Proof of Address

Choose your Checking Account

Simple Checking Account:

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

Fees:

Prime Checking Account:

Earn interest with a checking account that loves you back!

Fees:

E-Z Checking Account:

A paperless, digital checking account

Fees:

Prestige Checking Account:

A checking account tailored to our members 55 and older!

Fees:

Overdraft Protection Options

Account Transfers:

Courtesy Pay:

Your Debit Card

Transfer Funds to Your New Account(s)

Account Communication Options

Account Disclosures

Backup Withholding

Credit Report Authorization

Just a Few More Questions

Identity Verification

Just one more step!

Just one more step!

Let's start with the primary account applicant:

Identity Verification

Just one more step!