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*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.