Premier Plus Checking

Expand the possibilities of your checking account
Earn dividends at a 3.00%1 APY
Get your paycheck up to two days earlier2
Receive $20 a month in ATM fee rebates3
Earn Dividends Above the National Average

It's easy to take advantage of our 3.00%1 APY, which can generate solid dividends based on your balance. All you have to do is enroll in eStatements and use your Premier America Credit Union Debit Mastercard® or credit card at least 15 times a month.

Direct Deposit = Early Pay Day

Set up direct deposit and get your paycheck up to two days earlier2 than dealing with a paper check.

$20 Per Month in ATM Rebates

You'll find more than 30,000 fee-free ATMs in our nationwide network so you can access cash quickly when you travel. And if you aren't near one of those ATMs, we have your back by refunding up to $20 in non-network ATM fees each month.3

Send Money Quickly and Securely with Zelle®

Pay friends and family, pay the rent, give money as a gift, or split the cost of a bill. It's all simple, safe, and fee-free using Zelle® within our Mobile App.

Plenty of Convenience and Security

Manage your money anytime using Online Banking and Mobile Banking, which you can use to pay bills, deposit checks using your mobile device, set up account alerts and much more. You'll also get free access to your credit score so you can monitor your improvement and spot any suspicious activity. Our fraud monitoring services also help safeguard your Premier America accounts.

Put your spending account to work with our Premier Plus Checking account: 3.00% APY* with a a $100 bonus6 with an active checking account!

Your Premier Choice

Premier Plus Checking
Chase Bank
Dividend Rate
3.00%1
0.00%
Offer Early Payday
Yes1
No
$20 / Mo. ATM Fee Rebates
Yes3
No
Monthly Fees
$0
$0-125
Max Dividend Earned
$447.224
$0

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.
Disclosures
1 APY: Annual Percentage Yield. Promotional 3.00% APY paid on balances up to $20,000.00 and 0.10% APY paid on funds exceeding $20,000 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. 
2 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.
3 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. This account will be eligible for up to $20 each month in ATM fee rebates to be credited to your account nightly.
4 Estimated annual earnings based on meeting the dividend rate qualifications each month with an Average Daily Balance of $20,000 using https://www.bankrate.com/banking/savings/simple-savings-calculator/.
5 Fees via Chase.com on August 25, 2023.
6 To qualify for the $100 New Premier Plus Checking Account Bonus, new account must have an ACH Direct Deposit (minimum single deposit of $250), be opted in to eStatements, and conduct 10 debit and/or credit card point of sale transactions within the first 60 days of account opening. Members with open or converted checking account not eligible for account bonus. Bonus may be subject to IRS tax reporting. Member may receive a 1099 Form from Premier America. Offer subject to change or end without notice. Offer may be combined with other offers at the sole discretion of Premier America Credit Union.