Checking Options

Accounts for any amount.


It’s all about flexibility, great features and easy access. That’s why we offer different checking account options so you can manage your money how you want to. No matter which account you choose, all Premier America checking accounts include:
 
 
 Free Early Direct Deposit***
 
     Free Bill Pay
 
 Free Online Banking
 
     Free Mobile App and Mobile Deposit
    
 30,000+ Free ATMs Nationwide*
 
     Free  Payments With Zelle®
      
 Free eStatements
 
     Free Money Management Tools
      Free Debit Card    
 Free Overdraft Account transfers
 


Smart Spending

  It’s a digital way to bank, designed from the ground up to be easy. And because we know you’re so over overdraft fees, we got rid of them. You can say goodbye to monthly fees too. There are none. And, with a top-rated app, paying your bills, depositing checks and paying friends, and family is easy.   
                                                                                                            

Features:

  • No Monthly Service or Overdraft Fees
  • No Minimum Opening Deposit
  • No Minimum Balance Requirement
  • No Deposit Fees
  • Overdraft Protection
  • Free Overdraft Account Transfers
  • Certified by Bank On for meeting
    National Account Standards as a safe and affordable  account.
Open Smart Spending Now Learn more about Smart Spending




Primary Checking

  With our Primary Checking account, you don't need to jump through a bunch of hoops or be on the lookout for hidden fees. Enjoy unlimited check writing with no monthly service fees, no minimum balance requirements, and most importantly, no gotchas!

 

Features:

  • No Monthly Service Fee
  • Low $25 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • Overdraft Protection
  • Free Overdraft Account Transfers
Open Platinum Checking Now Learn More about Primary Checking

 

Premier Checking

 You work hard and you want to get the most from your money. Premier Checking Accounts earn competitive dividends
 and have access to online and mobile financial management tools to help you stay on top of your finances.
 

Features:

  • Low $25 Minimum Opening Deposit
  • No fee with $1,500+ average daily balance
  • $10 fee if less than $1,500
  • Overdraft Protection
  • Free Overdraft Account Transfers

Rates

0.10% APY*
0.10% Rate
 Open Smart Spending Now Learn more about Premier Checking

                                                                                                                                                                                      

Platinum Checking

  Make the most of your money and receive other perks with a Premier America's Platinum Checking account. Put your hard earned money to work by opening an account today!
 

Features:

  • $25 Minimum Opening Deposit
  • No fee with $10,000+ average daily balance
  • $25 fee if less than $10,000. 
  • Overdraft Protection
  • Free Overdraft Account Transfers
  • Free Cashier’s Checks
  • One Outgoing Domestic Wire Transfer

Rates

0.20% APY*
0.20% Rate
Open Platinum Checking Now Learn more about Platinum Checking

Fresh Start Checking

‚Äč   If you have had some issues and have a past ChexSystems record, this account offers the convenience of a checking account and the chance to rebuild a positive checking account history.
 

Features:

  • $25 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • Monthly Service Fee of $10 with Direct Deposit of $200 per month; $13 Monthly Service Fee without Direct Deposit
  • Overdraft Protection
  • Free Overdraft Account Transfers
Learn more about Fresh Start Checking

Additional Checking Account Benefits

 
FREE Internal & External Transfers
 
  FREE Deposits (Mobile/Branch/ACH)
 
NCUA Insured up to $250,000
 
  FREE Account & Fraud Activity Alerts
 
Digital Wallet Options
 
  NO Out-of-Network ATM Fee*

* APY = Annual Percentage Yield
** 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. A deposit of $1 into a Smart Savings account is required to join Premier America Credit Union. For businesses, a deposit of $250 into a Business Savings account is required to join Premier America Credit Union. Federally Insured by NCUA.
*** 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.
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