$0
monthly service fees
$100 Bonus
when you meet the qualifications3
$0
overdraft fees
No Fees. No Surprises. Just Smart Spending.
Simple, straight-forward banking with no fees & early payday1. You'll save time with digital banking tools and save money with no monthly fees. Plus, we'll give you $1003 simply for signing up for Direct Deposit (a smart move that can help you get paid up to two days early), enrolling in eStatements, and conducting 10+ debit and/or credit card transactions.
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How to earn $100 bonus3: |
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Enroll in eStatements |
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Have an ACH Direct Deposit (minimum single deposit) of at least $250 | |
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Make 10+ card transactions in the first 60 days |
How does our Smart Spending Checking account stack up against Chime?
Smart Spending Checking Account
Chime5
Name
No Monthly Service Fees
Yes
Yes
No Overdraft Fees
Yes
Yes
Free Bill Pay
Yes
Yes
Debit Card & Mobile App
Yes
Yes
Savings Account Automatically Included
Yes
No
Automatic Ways to Save
Yes
Yes
Local Branch Network
Yes
No
Face-to-face Help
Yes
No
NO Fees to Physically Deposit Cash or Checks
Yes
Up to $4.95 per deposit
Zelle® Payments
Yes
No
Related links & tools.
Frequently asked questions & answers
There are a number of pre-built alerts you may set up. Simply log into Online Banking and selected Accounts Alerts under Services. There you can turn on and off alerts and set up custom alerts.
Once logged in, visit "Card Controls" on the menu bar to find "Credit Card/Debit Card Management". This will provide information advising, "Received a new credit or debit card? To activate, Click or Call: 1 (888) 861-8661".
There are two ways member can order new checks:
- In Online Banking, select Services in the main menu and select "Order Checks.
- Call our Member Services Team at 800-772-4000.
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. You may also conveniently join and open your Premier America account online.
Disclosures
This account is available to individuals 13 years and older. For individuals aged 13 through 17, a parent or other sponsoring adult must be a joint owner.
1Early 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.
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.
3To qualify for the $100 New Smart Spending Checking Account Bonus, the new account must meet the following requirements 1) Have an ACH Direct Deposit (minimum single deposit of $250), 2) Opt in to eStatements, and 3) Conduct 10 debit and/or credit card point of sale transactions within the first 60 days of account opening. A bonus is paid on day 61 if all qualifications are met, and membership is in good standing. Members with existing or converted checking accounts are not eligible for an account bonus; nor are individuals that held a prior membership that was closed within the past 24 months. The bonus will be subject to IRS tax reporting. Members will receive a 1099 Form from Premier America. Offer subject to change or end without notice. The offer may not be combined with any other offer, except at the sole discretion of Premier America Credit Union.
4To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
5Chime fees via Chime.com on September 10, 2025.