Personal · Relationship checking
Everyday banking with predictable pricing, a clear fee schedule, and tools to move, monitor, and protect your money—online, on mobile, and with a service team when you need a person.
FDIC insured
Deposits insured up to applicable limits.
Bank-level security
Encryption, monitoring, and card controls.
Human support
Private Client Service when you need answers.
Clear disclosures
Fees, rates, and agreements in plain language.
Built for everyday cash flow with the controls and transparency you expect from a private banking relationship.
Everyday activity is priced clearly in your Schedule of Fees. Relationship clients may qualify for waived or reduced monthly service charges when balance, direct deposit, or combined relationship requirements are met—your banker will confirm what applies to you before you fund the account.
Use Goldspire and partner ATMs across the U.S. and in select international locations. Eligible accounts may receive monthly rebates for surcharges at ATMs outside our partner network, subject to program caps disclosed at account opening.
With qualifying direct deposit, you may receive eligible payroll and government payments up to two days early, depending on when the payer sends funds. Timing and availability follow our Funds Availability Policy.
Most clients start with Relationship Checking or Interest Checking. Your banker will recommend the structure that fits your cash strategy—below is a high-level overview (not all features apply in every market; see product disclosures).
| Relationship Checking | Interest Checking | |
|---|---|---|
| Best for | Everyday spending, bill pay, and debit-first cash flow | Balances you prefer to keep liquid while earning a variable yield |
| Monthly service | Often waivable with qualifying activity or balances | Often waivable with qualifying relationship tiers |
| Interest | Not a primary yield account | Tiered variable APY on qualifying balances |
| Debit & digital | Visa® debit, mobile deposit, transfers, alerts, and card controls in online & mobile banking | |
| Support | Private Client Service and optional banker assignment by relationship level | |
Rates, fees, and features vary by product and jurisdiction. You will receive current disclosures before you sign.
Whether you prefer to bank digitally on your own or maintain regular contact with a dedicated team, we align service to your preferences and document every recommendation.
Practical tools and protections you would expect from an institutional-grade bank—without sacrificing ease of use.
The same disciplined service you expect in person—available on web and mobile with controls that match how you run your finances.
Interest Checking earns a variable annual percentage yield (APY) on qualifying balances. Accounts that do not pay interest are also available if you prefer a simpler structure.
APYs are variable, may change at any time after account opening, and are accurate only as of the date printed on your Truth in Savings disclosure. Higher relationship tiers and combined balances may qualify for improved yields where offered.
You will receive the rate in effect on the business day your account is opened. Existing clients can view personalized tiers after signing in.
The authoritative source for your account is the Schedule of Fees delivered at opening. Below is a summary in plain language of categories clients ask about most often.
A monthly maintenance fee may apply. It is commonly waived with qualifying direct deposit, minimum balance, or combined relationship balances—criteria are listed in your product guide.
Where available, overdraft transfer from linked accounts or a disclosed overdraft line may help you avoid returned payments. Regulation E governs opt-in for certain ATM and one-time debit overdrafts—you choose what you want enabled.
Domestic and international wires, and certain expedited payment options, may carry disclosed fees. Private clients may receive fee allowances or preferred pricing based on relationship tier.
Start online by signing in or creating a profile, or call Private Client Service at +1 317-552-0423. A banker will guide you through documentation and funding.
Government-issued ID, Social Security or tax ID, proof of address, and initial funding per product minimums. International clients may provide additional KYC documentation.
Personalized cards typically arrive within 7–10 business days after account approval. Digital wallet provisioning may be available sooner where supported.
Yes—use bill pay, ACH transfers to external accounts, and wire options where enabled on your profile. Person-to-person transfer availability depends on the services activated for your relationship; your banker can enable eligible options and explain limits and cut-off times.
Each product lists waiver paths—typically a recurring direct deposit, a minimum daily balance, or combined deposits and investments across eligible Goldspire accounts. We will show you the exact combination that applies before you fund the account.
Eligible clients can apply online in a few minutes. If you are unsure about requirements or documentation, Private Client Service can help you before you begin.
Have your initial deposit and government-issued identification ready. Minimum opening amounts depend on the product you select, we will confirm details as you apply.
