Fresh Start Checking

Get your finances back on track
No minimum balance
Free nationwide ATM network
Reduced monthly fee with Direct Deposit

The perfect account for your financial comeback

It takes extra effort to overcome financial setbacks. Our Fresh Start Checking keeps fees low and offers all the features you need to keep your finances in good shape.
  • $10 monthly service fee with Direct Deposit of at least $200 per month *
  • Free access to 30,000-plus free ATM fees nationwide**
  • Online Banking and Bill Pay
  • Free Mobile Banking and mobile check deposit
  • Mastercard debit card for fast, easy purchases
  • Person-to-person payments with Zelle
  • Paper-free online monthly statements
  • Breathe easier with round-the-clock fraud monitoring
A portion of EVERY debit card purchase helps your community through our Premier America Foundation.

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 $20,000.00 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.
Mobile Banking
Manage your finances from anywhere life takes you without missing a beat.
Premier America Credit Union is a full-service financial institution with branches in California and Texas.

* $13 Monthly Service Fee without Direct Deposit
** Premier America Credit Union will not charge a fee for accessing your funds at a non CO-OP network ATM owned and operated by another financial institution or business, but you may be charged a fee by the ATM owner/operator. A deposit of $1 into a Smart Savings account is required to join Premier America Credit Union. Federally Insured by NCUA