Checking

Banking made easy

Get paid up to two days early
Over 30,000 free ATMs
Convenient digital tools and free debit card

Smart Spending Checking

The no-fee, free checking. Our Smart Spending account is always ready for you, 24/7.

Premier Plus Checking

Transform your checking into a savings powerhouse with competitive dividends. It's our top choice for a reason.

Fresh Start Checking

Bounced back from a financial bump? Start anew or rebuild credit with this account designed for your journey.

Additional products & services

Compare our Checking Accounts 

Choose 2 at a time to compare
Smart Spending Checking
Chase Bank
Dividend Rate
0.00%
0.00%
Offer Early Payday2
Yes
No
ATM Fee Reimbursement
No
No
Monthly Service Charge
$0
$0-124
NSF Fees
N/A
$34
Max Dividend Earned
$0
$0
Donation to Charitable Foundation
$0.01 / Card Swipe
Unknown
Free Checks
No
No
Other Features
  • Overdraft Protection with Free Overdraft Account Transfers
  • Certified by Bank On for meeting National Account Standards as a safe and affordable account

Frequently asked questions & answers

There are three quick steps you can take immediately to reduce your fees and save yourself money. 
 
  1. Open the Smart Spending account which comes with no maintenance, service, or minimum balance fees! 
  2. Sign up for Overdraft Protection under Account Services in Online Banking. 
  3. Apply for an overdraft line of credit online, over the phone, or in person at one of our branches.

There are two ways member can order new checks: 

  1. In Online Banking, select Services in the main menu and select "Order Checks. 
  2. Call our Member Services Team at 800-772-4000.

If you meet the requirements for the 1.50% APY Dividend, then you will earn 1.50% on the first $30,000.00 and 0.10% on the remaining balance. If you don't meet the criteria for the 1.50% dividend, you will earn 0.10% on your full balance. 

The requirements to earn the 1.50% dividend premium yield. 1) Fifteen or more Premier America Credit Union debit and / or credit card purchases must post to the card between the first day of the month and the last day of the month. 2) Must be opted in for eStatements. Rate is subject to change after account is opened. is Any points earned on a Premier America Credit Union Premier Privileges Rewards Mastercard® credit card will still accrue even if these requirements are not met. Fees may reduce earnings. 

Financial resources at your fingertips for simplified decision-making.
Premier America Credit Union is a full-service financial institution with branches in California and Texas. You may also conviniently join and open your Premier America account online.
Disclosures
1 ​Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
2 APY: Annual Percentage Yield. Promotional 3.00% APY paid on balances up to $30,000.00 and 0.10% APY paid on funds exceeding $30,000.00 for accounts opened from March 1, 2024 through August 31, 2024. Requirements to earn premium yield 1) Fifteen or more Premier America Credit Union debit and / or credit card point of sale purchases must post to the card between the first day of the month and the last day of the month. 2) Must be opted in for eStatements. If qualifiers are not met, 0.10% APY will be paid on all balances. Any points earned on a Premier America Premier Privileges Rewards Mastercard® credit card will still accrue even if these requirements are not met. Fees may reduce earnings. Premier Plus Checking is a consumer-only account. Promotional APY will revert to 1.50% APY on September 1, 2024.
3 Estimated annual earnings based on meeting the dividend rate qualifications each month with an Average Daily Balance of $30,000 using MyBankTracker.com.
4 Fees via Chase.com on August 25, 2023.
ATM Fee Reimbursement: Fee reimbursed to customer's account

NSF Fees: Non-sufficient fund fees