FAQs

Once logged in to Online Banking, click on the account so that you are viewing the transaction history, find/click on "Details & Settings" which you will then find the "Account Number". 

Premier America's Routing Number is: 322283990

You may initiate a closure of your membership by sending a secure email with your request or call us at 800-772-4000. Any remaining funds will be mailed to the address listed on file.

To change your name on your Premier America account, you must complete a new Signature Card through DocuSign, in person, or by mail.

If you wish to deposit funds by mail, please mail it with your full name, address, and member / account number to:

Premier America Credit Union
P.O. Box 2178
Chatsworth, CA 91313-2178

You may find the hold explanation on the Membership Disclosure. It is also listed in the account activity center in Online Banking. Under the deposit it will have a break down of the holds.

Once logged in, visit "Messages" within the online banking menu. 

It is easy to sign a DocuSign document. The document is sent to your email address and simply follow the instructions on the document. 

There are three quick steps you can take immediately to reduce your fees and save yourself money. 
 

1. Open the Smart Spending account which comes with no maintenance, service, or minimum balance fees! 
2. Sign up for Overdraft Protection under Account Services in Online Banking. 
3. Apply for an overdraft line of credit online, over the phone, or in person at one of our branches.

You can get the latest deposit rates by visiting our rates page on our website.

Premier America is a federally insured credit union which offer a safe and reliable place to save your money, with your deposits insured but at least $250,000 per individual depositor. For more information, visit NCUA.gov.

If you wish to avoid ATM fees, utilize one of our over 30,000 shared ATMs throughout the United States. For the most up-to-date listing, use our dynamic and searchable Branch & ATM Locator Map. Another way to avoid ATM fees is to open the Premier Plus Checking account which offers up to $20 per month in ATM fee rebates. 

To see your credit score, log into Online Banking and from the Main Menu, click on "Services" and then "FICO Score." From there, you will see your active score. 

We do! Fees vary based on the size of box. As this time boxes are only available at the Chatsworth branch.

Notary services are available at select branch locations. Please inquire and visit the branch to confirm the availability of the service.

We currently do not offer U.S. Savings Bonds.

There are many ways to move your money into your Premier America account. You may visit any branch to make a deposit, use an ATM 24/7, use our Mobile app to make a Remote Deposit, or set up an External Transfer. 

PremierAmerica.com is currently only available in English. We plan to have the site available in Spanish by mid-2024. 

You may pay your bills conveniently and for no fee through Online Banking Bill Pay. When logged in, click on "Pay Bills" and then select "Bill Pay." 

Scroll to the top of this page, click on the blue "LOGIN" button to expand it and click on "New User" to register.

On the Home menu in Online Banking click on Transactions, eStatements and select Tax Documents. You may also get updated tax schedule information on our dedicated Tax Form page. 

Once logged into Online Banking, select Pay Bills and then Bill Pay. On the landing page, you will see payees you have already set up. Simply select who you are paying and input the payment details. 

It is easy to move money between accounts in Online Banking. Once you're logged in, click on Make a Transfer, and select which account is sending the funds and which is receiving.

Once logged into Online Banking, go to the Main Menu and click on Pay Bills. Select Bill Pay. Once in Bill Pay, click on Activity to see your pending and processed payments. If a payment is pending, you may click on it to cancel or edit the payment. 

Once logged into Online Banking, go to the Main Menu and click on Pay Bills. select Bill Pay, select add a Company or Person and continue with the desired payment parameters. 

To set up a transfer to an external financial institution, log into Online Banking and Manage External Acct under Services. From there, input the required information from your external account. To authorize the connection, Premier America will initiate two micro-deposits to verify the account information is correct. This process can take 2-5 business days. Once those deposits are made, you will log back into Online Banking to verify the deposit amounts. After that, you will be able to set up transfers to and from that external account from inside Online Banking. 

To make a transfer to a fellow Premier America Credit Union member, click on Menu, then Move Money, then Member to Member. From there, you will select the option to link your account (to have the option for ongoing transfers) or Single (for one-time transfers). 

Zelle^® is a fast, safe and easy way to send money to friends, family and other people you trust. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle^® has you covered. Sign up by logging into Online Banking and selected Move Money from the Main Menu. Then select, Send Money with Zelle^®. You will need to enroll your U.S. mobile number or email address. Then you are ready to start sending and receiving money with Zelle^®.

It is quick, easy, and secure, to make a mobile deposit. Simply log into the mobile app and click on Deposit Check from the menu at the bottom of the screen. Then follow the on-screen prompts to make your mobile deposit all from the comfort of your home or office. 

From the main navigation menu, click Transactions, and then eStatements. From there, you will be able to opt-in to receive your statements via online banking or the mobile app.

Log into Online Banking and select Move Money from the main menu. Then, just click on Make a Transfer and select the sending and receiving accounts. 

It is easy to change the names you see for your accounts. Simply log into Online Banking and select the account you wish you re-name. Once selected, click the pencil icon to change the nickname. 

You may update your contact information by logging into Online Banking. In the Main Menu, click on "Settings" and then "Change of Address."

On the Home page listing all of our accounts in Online Banking, click the three vertical dots (⋮) on the desired account. Select View Settings and click on account preferences. Scroll all the way down to the bottom of the page. Uncheck the option "Visibility on Home" to turn off the ability to see this on the home screen. 

Download the app on your mobile  or tablet. Launch the app and enter your username and password and then select Face ID. 

Make changes on Security Preferences to Securely Delivery message under Contact Information.

To view eStatements, log into Online Banking, click on "Transactions" and then "eStatements." 

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".

Once logged in, visit "Card Controls" on the menu bar to find "Credit Card/Debit Card Management", Card Details and select Card Controls, to set your spending limits.

For all cards, you have the option to self-serve your PIN change via our Card Management portal in Online Banking, or you can call PINnow from the primary phone number associated with your account at 888-891-2435. 

It is easy for members to request a new card for a variety of reasons. The fastest way is through Card Management in Online Banking. From there, you can request a new card for a variety of reasons. You may also visit any branch for support. Finally, for lost or stolen cards, you may call 800-772-4000 (option 4). 

There are two ways member can order new checks: 

1. In Online Banking, select Services in the main menu and select "Order Checks. 
2. Call our Member Services Team at 800-772-4000.

Members are able to self-serve wire transfers or come into a branch to provided the needed information for the transfer. In Online Banking, go to the Main Menu, select "Move Money" and select Wire Transfer. Enter in all the needed information. 

We are able to send money internationally as an International Wire Transfer. Simply log into Online Banking and select "Move Money" under the Main Menu. Follow the steps on the International Payment option. 

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. 

From the Main Menu in Online Banking, select Services and select Stop Payment. Enter in the information for your single check or a range of checks to stop payment on. 

If you meet the requirements for the 1.50% APY Dividend, then you will earn 1.50% on the first $30,000.00 and 0.10% on the remaining balance. If you don't meet the criteria for the 1.50% dividend, you will earn 0.10% on your full balance. 

The requirements to earn the 1.50% dividend premium yield. 1) Fifteen or more Premier America Credit Union debit and / or credit card purchases must post to the card between the first day of the month and the last day of the month. 2) Must be opted in for eStatements. Rate is subject to change after account is opened. is Any points earned on a Premier America Credit Union Premier Privileges Rewards Mastercard® credit card will still accrue even if these requirements are not met. Fees may reduce earnings. 

You can get the latest mortgage rates by visiting our Mortgage Center.

You can get the latest loan rates by visiting our rates page on our website.

To get more loan coupons, you may call us at 800-772-4000 or simply send us a secure message in Online Banking. 

To make an Online Payment, simply click on "Make a Payment" on our website and input your payment details. You may also call us at 800-772-4000 and set up external account (does not apply for mortgage payments). Finally, you may also log into Online Banking and make a transfer from your deposit shares to your loan share (excluding mortgages). 

You may call our Loan Contact Center at 866-410-0171 or send a secure message to determine your final loan payoff amount. 

Depending on the type of your loan, there are a few ways to make your payment. For a credit card, you may conduct a simple Move Money / Pay My Loan in Online Banking to your credit card account. For other loans, visit the Make a Payment page and enter your payment details.

1. First Mortgages and Equity Loans:  You can make more than the payment amount due each month.
   • If more than one full payment is received without specific instructions, and it is not enough for two full payments, the additional amount will be applied as a principal reduction. The due date will be advanced one month, representing the full payment received.
   • If the amount received is equal to two or three full payments, the extra payment(s) will be applied and the due date advanced. (A maximum of two months paid ahead.) 
2. Homelines:  No, you do not have the option to pay ahead.  This option is not available for this product.

• Members can make higher monthly payments than their minimum amount due, and their monthly payment will advance to the following month.
  • Higher monthly payments, help lower the credit card balance, in turn, having a lower minimum payment due, but a monthly payment will not be skipped.

• Yes, pay ahead option of up to two (2) months.
  • If you continue to overpay, the overpayment will help lower your principal balance but the but the monthly payment due date will not advance.

You may submit your Proof of Insurance by calling 866-744-3819 and speaking with the Premier America Loan Tracking Center. The documents can be faxed to: 877-247-6986 or can be uploaded online at MYLOANINSURANCE.COM

Headquartered in the San Fernando Valley, CSUN’s deep commitment to building a brighter and more equitable future for its students, their families and the community is perfectly aligned with our core values. This strategic partnership will not only support our mission of people helping people, but it will ultimately lead to membership and lending growth, ensuring the prosperity and success of our credit union for its member-owners.

This will be a 10-year commitment supporting financial wellness and literacy programs, and the sponsorship of various campus events to benefit CSUN students, faculty, and alumni. We will also be adding a suite of co-branded debit and credit cards later this year to celebrate our partnership as the exclusive affinity card provider for the university.

Yes – as the Official Credit Union of CSUN, the partnership includes the opening of a campus credit union branch and the installation of ATM machines. Additionally, the credit union brand will be prominently displayed at university athletics fields and facilities.

The partnership includes the renaming of the university's athletics facility. The Matadome — home to CSUN's men's and women's basketball and volleyball teams — will be renamed the Premier America Credit Union Arena.

Premier America will sponsor events at CSUN's Soraya Center, as well as other events in coordination with the CSUN Alumni Association.

As a cooperatively owned not-for-profit financial institution, Premier America is committed to making responsibly prudent and sound community investments. Under the agreement, Premier America will gain significant branding and sales rights to market to CSUN’s 38,000 students and nearly 390,000 alumni. The first-year commitment to the university is $660,000 with an annual increase of 5%.

Yes. We aim to make this process as smooth as possible with as few questions as necessary to assist you in closing your loved one’s account.

You may download your free booklet or visit your local branch to obtain a printed copy.

Upon notification of a death of one of our members, we begin the process of settling accounts as required by various agreements and legal standards. For each situation, we will clearly communicate to you your options and guide you through the process start to finish. You will never be alone.

Because each member has a unique relationship with Premier America, the first step we will take is a review of the full breadth of their financial accounts with us. This will help our team, and you understand any next steps or documentation required, and set an expectation for how long this process may take.

Some accounts may need to be transferred to a new owner, some will close, and some loans will need to be paid off to be settled.

Probate is the process by which the court determines the authenticity of a Will. It is designed to protect the family and ensure the persons who are entitled to receive the assets do receive them. It also ensures all debts and taxes are paid.

The court will use the Will to determine who is to be the appointed executor of the estate. If there is no Will, the court will appoint a “personal representative,” usually a spouse or relative.

The size and complexity of the decedent’s estate, plus state probate laws, will determine how long the process will take. If the estate is large or complex, the probate process can take months or years to complete.

Additionally, the probate process may not be required if the deceased’s estate had accounts that are classified as ‘Joint with Right of Survivorship’. The actions, forms, and dollar amount will change based on your state, but we will be here to support you in any next steps required.

A probate form may be required depending on the size of the estate.

It is best to consult an attorney to determine what property is or is not subject to probate.

In some situations, it is beneficial to open an estate account as a way to administer a person’s financial assets after they have passed away. At Premier America, we open a savings or a savings and checking account as the estate account and this account can be used by authorized individuals to make deposits and or withdrawals from the account (to pay for funeral expenses or other outstanding bills the deceased may have, for example.)

Eligibility

To be eligible to establish an estate account, the deceased member (or estate beneficiaries) must have been an established member at the time of death. As a credit union, we are unable to open accounts for deceased non-members. This includes opening estate accounts for non-members when family members or survivors are members.

Establishing an Estate Account

To establish an estate account, you will need to provide:

1. A certified copy of the member’s Death Certificate
2. A Tax ID Number (TIN) for the estate
3. Letters Testamentary or Letters of Administration issued by a CA or TX probate court designating an estate executor/administrator
4. Current identification of the estate executor/administrator or voluntary administrator establishing the estate account

Individual Accounts

When your loved one is the sole owner of a Checking, Savings, or Certificate of Deposit (CD) account, we will block the account immediately upon notification of the account owner’s death. This notification can come from the Social Security Administration or from a loved one presenting an official death certificate.

This is to ensure that no unauthorized transactions occur. The funds of the account will be disbursed to designated beneficiaries (after any outstanding loan balances have been satisfied). If there are no listed beneficiaries on the account, the funds will be disbursed to the deceased member’s estate in accordance with state provisions.

Joint Accounts

A joint account is classified as “Joint with Right of Survivorship,” which means any surviving joint account owners remain active owners on the account, regardless of beneficiaries listed.

The account may need to be closed or restructured depending on the current ownership of the account:

• When the account is in the name of the deceased member (as the primary 3 owner), as a joint owner you will have continued ownership throughout the transition process and can remove funds as needed.
• If the deceased member was the secondary owner on the account (not the primary owner), the account can remain open. A new signature card will need to be signed to update the ownership status of the account.

Certificates of Deposits (CDs)

Funds disbursements from CDs will not be subject to early withdrawal penalties in the event of closure due to the passing of a loved one.

Direct Deposits

We are required by law to return any direct deposits received from certain federal agencies (such as the Social Security Administration or Veterans Administration) once notified that one of our members has passed away.

Debit Cards and Credit Cards

Any active debit or credit cards will be immediately deactivated upon notification of a loved one’s death. This action will protect your loved one’s accounts from any unauthorized transactions. If you are the joint owner of a member’s account who has passed, you will have continued access to your debit and credit cards unless the account needs to be closed. In the event your loved one has an outstanding loan, existing funds may be used to pay any outstanding loan balances.

Automatic Payments (ACH)

If your loved one’s account had been set up to process automatic payments (ACH) for bills and monthly subscriptions, you will need to notify these companies to stop the reoccurring transaction. If you are a joint owner and wish to keep this account, along with its automatic payments, no action is necessary.

Individual Retirement Accounts (IRAs)

Designated beneficiaries of IRA accounts are able to close their loved ones accounts without any early closure fees from Premier America.. To begin the process of closing an IRA, an official death certificate must be presented to a member service representative notifying the credit union of our decedent member. Once a death certificate and beneficiary contact information has been collected, designated beneficiaries will receive a letter detailing the process for the disbursement of funds.

Trust Accounts

Trusts established in the name of a legal trust and managed by the trustee, co-trustee, successor trustee or trust administrator, as outlined in the Trust Agreement generally require the services of an attorney. You should refer to your Trust Agreement and contact the attorney who is helping you settle the estate.

Investments & Insurance

If your loved one has an account with Premier America Wealth Management Group (PAWMG), we will notify PAWMG on your behalf to help assist you with the necessary next steps. You may also contact PAWMG directly with questions at [email protected] or by calling (866) 410-0170

Premier America will determine if the deceased member had Debt Cancellation coverage on their Premier America loan and, if qualified, we would apply any proceeds towards their loan balance as of the date of death. Deposit account balances may also be applied to the outstanding loan balance(s). Surviving borrower(s), or the member’s estate, are responsible for repaying any outstanding loan balances.

If you will have difficulty making loan payments, wish to surrender the property, or you would like to discuss payment options, please contact Premier America Collections Department at (800) 772-4000 ext. 3.

Credit Cards

Primary Sole Applicant Is Deceased

If the deceased member was the sole applicant on a credit card, the credit card account will be immediately frozen. Statements will continue to be issued until the balance is paid in full. The full balance may be collected from a deposit account by our Collections Department, if applicable.

Surviving Co-Applicant

If there is a co-borrower on a credit card, the account will be immediately frozen. The co-applicant would need to re-qualify for a credit card, if he/she would like to continue using a Premier America credit card. Statements will continue to be issued and sent to the cardholder on file, until the balance is paid in full.

Co-Applicant Is Deceased

If you are the surviving primary cardholder on a credit card account and the co-applicant is deceased, your credit card account will immediately be frozen. The reason the account needs to be closed is that both the primary and co-applicant’s income was used to qualify for the loan.

Auto Loans & Personal Loans or Lines of Credit

Premier America will contact the appropriate individuals to determine if the loan will be refinanced, paid off, or surrendered. Individuals may contact (866) 410-0171 for additional information pertaining to the loan.

Auto Loan and Co-borrower

If you are a co-borrower, we will contact you to see if you would like to surrender the vehicle, continue to make payments or pay the remaining balance. If there is 5 a balance and you are a Premier America member, the auto loan will be transferred to your account. You will need to make monthly payments until the auto loan is paid in full.

Automatic Payments on Deceased Member Accounts

If automatic payments are deducted from the deceased member’s external and internal account(s), Premier America can assist you with updating payment instructions.

Personal Loan or Line of Credit and Single Ownership Accounts

Premier America will close the loan. If there is a balance owed on the account, our Collections Department may collect the full balance owed from the decedent’s share accounts.

Personal Loan or Line of Credit with a Co-borrower

Co-applicants will need to qualify for the loan/line on their own, in order to replace the existing personal loan or line of credit. If you are not interested in requalifying and there is a balance owed on the loan and you are a Premier America member, the loan with the remaining balance will be transferred to your account for re-payment purposes only.

Mortgage for Single Borrower Accounts

Please have the Successor in Interest contact us for further instructions at (800) 858-8328. You will need to provide the transfer of ownership documents, copy of the personal representative’s driver’s license, a copy of the certified death certificate and an email address. Please email the requested information to Premier America’s Real Estate Loan Servicing Department before contacting the telephone number listed above at [email protected].

Mortgage with a Co-borrower

If you are a co-borrower on a mortgage loan and are a Premier America member, the mortgage loan will be transferred to your account. You will need to provide a copy of your driver’s license, a copy of the certified death certificate and an email address. Please email the requested information to Premier America’s Real Estate Loan Servicing Department before contacting the telephone number listed above at [email protected].

Home Equity Line of Credit (HELOC) / Equity Loan

If the primary member is deceased, the co-borrower will need to re-qualify for the HELOC. If the co-borrower chooses to not re-qualify for the loan, and is a Premier America member, then the loan will be transferred to your account for re-payment purposes only. If it is the co-applicant that is deceased, the primary will not be required to re-qualify for the HELOC loan.

Safe Deposit Boxes are located only in our Chatsworth branch. The designated safe deposit box key(s) will be needed for the listed beneficiary to access the box. If the original key(s) cannot be located, a Credit Union representative from the Chatsworth branch can assist with scheduling a locksmith to open the safe deposit box without a key, at a cost determined by the locksmith.

The docmuments required vary depending on the child's age.

Under 12: 

• Birth Certificate
• Physical Social Security Card
• Parent/Guardian's Social Security Number
• Parent/Guardian's Government-issued ID

Between 12-17:

• Physical Social Security Card
• Government-issued ID, or Physical Birth Certificate
• Parent/Guardian's Social Security Number
• Parent/Guardian's Government-issued ID

No, Youth Accunts can only be open in-person at your local branch.  

Checking Accounts can be opened for minors at the age of 13. Online Banking access can also be granted at this age.