Primary Checking

Simple checking made for everyone
No monthly service fee1
30,000+ free ATMs nationwide2
Get paid up to two days early3

Our easy-to-use checking account

Banking doesn’t have to be complicated. With our Primary Checking, you get a straightforward account that gives you exactly what you need. No extras you’ll never use, just the essentials to cover your everyday banking.

Free ATMs

everywhere2

Overdraft Protection

included

$0

minimum balance requirement

Simple doesn’t mean less

  • Access to 30,000+ free ATM fees nationwide
  • Online Banking and Bill Pay
  • Free Mobile Banking and mobile check deposit
  • Mastercard debit card for fast, easy purchases
  • Free credit score access
  • Instant debit card printing at your branch
  • Free card replacement
  • Low-Cost Overdraft Protection
  • Send and receive money via Zelle®

Security at your fingertips

Round-the-clock fraud monitoring
Card alerts
Paper-free online eStatements

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 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.

Premier America Credit Union is a full-service financial institution with branches in California and Texas. You may also conveniently join and open your Premier America account online.
Disclosures

1Standard fees may apply to additional account services.
2Premier 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; however, you may be charged a fee by the ATM owner/operator. This account will be eligible to receive up to $20 reimbursement each month for domestic ATM fees that will be credited to your account nightly when charged. ATM fee reimbursements are only eligible on consumer checking accounts.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Funds may be available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date.

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