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 3.50% APY¹ Dividend, then you will earn 3.50% on the first $30,000.00 and 0.10% on the remaining balance. If you don't meet the criteria for the 3.50% dividend, you will earn 0.10% on your full balance. 

The requirements to earn the 3.50% dividend premium yield. 1) Conduct 15 transactions using your debit and/or credit card that must post to the statement between the first day of the month and the last day of the month and 2) Must be opted in for eStatements. If you do not meet the requirements, 0.10% APY will be paid on all balances. Any points earned on a Premier America Mastercard credit card will still accrue even if these requirements are not met. Fees may reduce earnings.