Smart Spending Checking
Best for young adults who enjoy banking digitally.
checkmark No-fee, free checking
checkmark Overdraft protection up to $100
checkmark No-fee, free checking
checkmark Overdraft protection up to $100
Premier America Checking Accounts
Manage, Save & Spend your money easily with our member-focused checking accounts.
Choose the Best Checking Account For You
We offer three flexible checking accounts that fit where you are—and where you’re going.
Additional products & services
What our members are saying
I've been a member for many years, even moved across the country, but will keep Premier America because they care for their members.
Frequently asked questions & answers
There are three quick steps you can take immediately to reduce your fees and save yourself money.
- Open the Smart Spending account which comes with no maintenance, service, or minimum balance fees!
- Sign up for Overdraft Protection under Account Services in Online Banking.
- 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:
- In Online Banking, select Services in the main menu and select "Order Checks.
- 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
1Premier 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.
2Early 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.
3Standard fees may apply to additional account services.
4APY: Annual Percentage Yield. APY is accurate as of the last dividend declaration date and rates are subject to change at any time. Rate of 3.50% APY/ 3.50% rate for all accounts, new and existing, is paid on balances up to $30,000.00 and 0.10% APY paid on funds exceeding $30,000, when requirements are met. Requirements to earn premium yield are 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.
5Estimated annual earnings based on meeting the dividend rate qualifications each month with an Average Daily Balance of $30,000 using MyBankTracker.com.
2Early 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.
3Standard fees may apply to additional account services.
4APY: Annual Percentage Yield. APY is accurate as of the last dividend declaration date and rates are subject to change at any time. Rate of 3.50% APY/ 3.50% rate for all accounts, new and existing, is paid on balances up to $30,000.00 and 0.10% APY paid on funds exceeding $30,000, when requirements are met. Requirements to earn premium yield are 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.
5Estimated annual earnings based on meeting the dividend rate qualifications each month with an Average Daily Balance of $30,000 using MyBankTracker.com.
ATM Fee Reimbursement: Fee reimbursed to customer's account
NSF Fees: Non-sufficient fund fees
NSF Fees: Non-sufficient fund fees