We know you're trying to keep an eye on everything...
So when you find yourself in a spot where your account balance can't cover a transaction, we offer several ways to ensure your payments go through.
Overdraft Line of Protection
This line of credit comes with limits ranging from $1,000 to $5,000. If a checking transaction results in a negative balance, money is automatically transferred from the credit line. You then repay the loan.
- Avoid fees for returned check charges from stores or creditors
- Protect your credit rating. Overdraft Protection covers your checks even if you don’t have enough money in your checking account.
- No annual fee
- Low variable rate
Savings Account
Your Smart Savings can provide your checking account with automatic transfers of funds.*
Courtesy Pay Overdraft Protection
With Courtesy Pay, you get added protection, as debit/ATM transactions that result in negative balances are also covered. Plus, Courtesy Pay can kick in if you fully deplete your other chosen method of protection. Additional advantages include:
Opt-in to make sure you’re covered: Log in to Online Banking above or call us at 800-772-4000.
- Safety-Net: If you need money for unexpected purchases and you don’t have another form of payment
- Cash: Even with a low checking balance, you can withdraw cash at an ATM up to the daily ATM cash limit
Opt-in to make sure you’re covered: Log in to Online Banking above or call us at 800-772-4000.
Merchants charge up to $50 for each returned check, making Overdraft Protection more important than ever.
Financial resources at your fingertips for simplified decision-making.
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
*Federal Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to six (6) per month.