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. At 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 2025. 

If you don't know your Account Number you can:

• Call our Member Services Team at 800-772-4000
• Click on "Ask Me Anything" and Ana will be able to verify your identity and provide additional support
• Visit your local branch

You can download the Mobile App within Google Play or the App Store.

     

1. Log in to your account.   
2. Tap "Menu."    
3. Tap "Document and Statements."  
4. Select "eStatements and Documents."  
5. Scroll and view past eStatements.  

1. Sign in into online banking.  
2. Click “Menu.”  
3. At the top, easily switch between Personal and Business accounts.

Vendor	Device Operating System	Browser
Microsoft	Windows 11+	Edge (last two versions)
Apple	Desktop: Mac OS 11+ Mobile: iOS (last two versions)	Safari (last two versions)
Google	Android (last two versions)	Chrome (last two versions)
Mozilla	n/a	Firefox (last two versions)

1. Enter your Username and password on the LOG IN page and click Log In.  
2. You should be redirected to a page to validate your identity. Provide the following:  
   • Last Name  
   • Date of Birth  
   • Mobile Phone  
3. Complete Identity Verification using one of the following MFA  methods:  
   • Text  
   • Voice  
   • Email   
   • Call Center  
4. Enter your Verification Code.   
5. Enter your new Username (if required) and new Password.  
6. You should be logged in successfully.  

This step helps meet updated security standards and better protect account information.

If members are a signer on both, members will be able to switch between their personal and business accounts within the same login.

Members need identifying information, such as member/account number and access to receive a one time security code.

First Time Sign On

• Retail Primary or Joint
  • Previous Login credentials
  • Last Name, Date of Birth, Mobile Number
  • Access to receive (multi-factor authentication) MFA code
• Business Authorized Signer
  • Previous Login credentials
  • Access to receive MFA code
• Business Sub-User (Non-Signer)
  • Q2 Login credentials
  • Access to receive MFA code

New Registration

• Retail Primary or Joint
  • First Name, Last Name, SSN, DOB, Member/Account Number
  • Access to receive MFA code
• Business Authorized Signer:
  • Business Tax ID, Primary Business User SSN, Member/Account Number
  • Access to receive MFA code

Please click here to get started and follow the on-screen prompts.

If you’re having trouble logging in, start by using the self-service options on the login page:

• Select “Forgot Password” if you need to reset your password
• Select “Unlock Account” if your account is locked

When entering your information, make sure it matches your profile exactly and that there are no extra spaces or missing required fields.

If you still can’t access your account or don’t remember your account number or other information, please contact us at 800-772-4000 for assistance.

You can find common actions, such as transfers and payments, in the main navigation menu:

• On desktop, these options are located in the top menu
• On mobile, they are located in the bottom menu

Additional features and options can be found by selecting Menu.

Look for the “More” or menu options or view our tutorials for step-by-step guidance.

• Turning cards on/off
• Setting alerts for transactions
• Managing security settings
• Adding cards to a digital wallet

Yes. Easily view deposits and check images within the transaction details. 

Yes. Financial wellness tools (like budgeting and spending insights) are now easier to find and use within the new experience.

Yes. Member-to-member transfers have been enhanced for a smoother experience.

IRA contributions will be available as a new feature, though this may be introduced in phases and targeted communications.

Business members will benefit from: 

• User management (set roles and permissions for employees)
• Business Bill Pay (iPay)
• ACH origination
• Remote Deposit Capture (RDC)
• Ability to easily switch between accounts

Yes. External Transfers can be viewed under “Scheduled Transfers.”  

Yes. Current Zelle enrollments should move over automatically.

No.

No. Members will need to re-verify their contact methods. For security reasons, members will need to re verify their email address and/or mobile number.

No, the experience on the new Online Banking platform should match what members experience today once they are set up.

We are working to migrate Bill Pay data. Most members will see their payees and scheduled payments carried over, though some exceptions may require re-entry.

Bill Pay may be temporarily unavailable during the transition weekend. We’ll provide specific timing in advance.

Quicken integration is still being finalized. We recommend downloading their transaction history as a precaution before the transition.

Some recurring wire setups may not transfer. Domestic and international wire templates should transfer. We will provide additional details and instructions if action is needed.

No. Cutoff times remain the same.

Yes. Some features may be discontinued or updated. If a member is impacted, we will notify them in advance with details and alternatives.

Change Jar's name is changing to Rainy Day Savings.

Spanish support is being evaluated for launch readiness. We will confirm availability closer to launch.

Zelle for business accounts will not be available at launch. If a member currently use Zelle, the member will receive advance notice with timing and alternative options.

External transfers for business accounts are expected to be removed. We will provide guidance on alternative solutions, such as ACH.

We are prioritizing enhanced security, control, and business-grade payment capabilities like ACH to better support business needs.

These changes are part of a transition to a new online banking platform that will allow us to introduce enhanced tools and capabilities over time. This transition sets the foundation for improved services in the future.

Yes, any recurring transactions tied to these discontinued services (such as Zelle or external transfers) will need to be updated before May 19 to avoid disruption.

Payments initiated prior to May 19 are expected to be processed normally. After that date, Zelle transactions will no longer be supported for business accounts.

Recurring Zelle payments will need to be discontinued prior to May 19. Clients should be guided to establish alternative payment methods.

You can continue to manage payments using alternative options such as:

• Utilizing ACH origination to move funds (requires enrollment)
• Electronic Wires
• Utilizing other Digital Payment Services (i.e. Venmo, apple pay, Cash App, Paypal, etc.)

Certain alternatives (e.g., wires, ACH origination) may carry fees depending on the member’s account type and service setup. Refer to applicable fee schedules.

We are prioritizing enhanced security, control, and business-grade payment capabilities like ACH to better support business needs.

Yes, historical Zelle transaction data will remain accessible for reference after the service is discontinued.

We recommend reviewing any current use of Zelle and setting up alternative payment methods before May 19 to avoid any disruption.

Business Relationship Managers, Branch Team Members, Contact Center teams.

Enrollment can be completed through digital online banking (Secure form).

Updates will be shared through established communication channels, including internal announcements, member notifications, and digital banking messaging.

We are actively working toward bringing Zelle back for business accounts in the future. While we don’t have a specific timeline yet, it remains a priority.

Yes, transaction history should be available for at least the past 18 months.

Yes. Historical eStatements will be available in the new Online Banking platform. eStatements for the past 18 months will be available to the member.

No. Alerts and notifications will need to be re-established.

• Make sure their contact information is up to date.
• Download any important transaction history (especially Quicken users).
• Watch for upcoming emails with important details.

Our Contact Center, branches, and online help resources will be available to assist members. We’ll also provide step-by-step guides and tutorials.

Yes. Any changes impacting your account or services will be communicated at least 30 days in advance, where required.

Disclosures will be available within Online Banking or provided during enrollment for certain services.

Vendor	Device Operating System	Browser
Microsoft	Windows 11+	Edge (last two versions)
Apple	Desktop: Mac OS 11+ Mobile: iOS (last two versions)	Safari (last two versions)
Google	Android (last two versions)	Chrome (last two versions)
Mozilla	n/a	Firefox (last two versions)

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.

At this time, PIN changes must be completed by calling PIN Now at 888-891-2435 from the primary phone number associated with your account. For security purposes, you must call from the phone number on file.

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). 

If you receive a text message or email about a potentially fraudulent charge, please follow the instructions and respond "Y" or "N". After responding, you will need to proceed with processing the payment again.

If you are traveling internationally, text alerts do not always work or can be slow. It is important to have a valid email address and mobile number on file to receive these notifications. 

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 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.

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

Yes. You can open a Youth Account online or 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.

Business Online Banking offers new features under the Business Tab, including Payments, Recipients, and User Management.

The Payments section allows the users to create wire transfer payments and templates. In 2025, ACH origination will be added here.

The Recipients section allows users to add, edit, and delete recipients for wire transfers.

The User Management section allows administrators to create, edit, and grant online banking access to new users. The administrator can choose to limit the users’ access to transaction types or online banking features.

An Administrator is the primary user for online banking and has access to all the features provided in business online banking. The administrator is responsible for authorizing online banking access to any additional delegates (sub-users), including modifying the access to the features offered.

A delegate is a sub-user that has been given access to business online banking as authorized by an administrator. The extent of the access provided to the delegate (sub-user) is dependent upon the rights and features provided by the administrator.

Log-in to Online Banking > Select the “Business” dropdown on the menu > Select “User Management” > Select “Add User” > Complete the required user details > Select “Save New User Details” > Enable “Transactions” and “Rights” granted to the user > Select “Save” > Select “Features” > Select “Features” granted to the user > Select “Save” > Select "Accounts” > Select “View, Deposit, and/or Withdraw” access for business accounts > Select “Save”

Yes. As an administrator, you may “enable” or “disable” delegates (sub-users) on the following transaction types and features: Bill Payment, Check Reorder, Domestic Wire, Funds Transfer, International Wire, Stop Payment, Loan Payments, e-Statements, Card Management, Login History, TurboTax, etc.

Additionally, the Administrator may add dollar amount limits on Domestic Wires, International Wires, and Funds Transfers.

Stop Payment and Check Reorders can be limited by the number of transactions on a daily and monthly basis.

An administrator can set a control for the maximum dollar amount allowed for Domestic Wires, International Wires, and Funds Transfers. The Bill Payment feature does not allow for a controlled dollar amount, this is depending on the account’s available balance with a max of $99,000.00, but this feature may be disabled by an administrator.

Yes, delegates (sub-users) can be limited to viewing Funds Transfers, Domestic Wires, international Wires, Stop Payments, as permitted by the administrator. Transaction type restrictions can limit the view to: All, Account, Own, or None.

NOTE: Delegates (sub-users) will continue to have the ability to view the transaction history unless the administrator has disabled the viewing ability via the Accounts tab. This viewing ability can be disabled.

Yes, administrators may limit the Rights access to Draft, Approve, Cancel, or View to the following transaction types: Domestic Wire, International Wire, Funds Transfer, and Stop Payments.

Draft: Allows user to draft a transaction.
Approve: Allows user to approve transactions.
Cancel: Allows user to cancel transactions.
View: Allows user to view transactions.

Yes, an administrator may choose which Rights they allow a user to have. For example, if an administrator has decided a delegate (sub-user) should have their Domestic Wire Transfers reduced to Draft only, the administrator would remove the rights to Approve, Cancel, and View, but would leave the right to Draft active.

Yes, an administrator may deactivate a user as well as reactivate a user at any time.

Delegates (sub-users) are created with limited access and are unable to perform transactions until the Administrator has determined which preferred features to enable. Depending on the access you as the administrator grant to your delegate (sub-user), the delegate’s (sub-user’s) access may include the ability to view available balances, transaction history, access e-Statements, bill pay, card management, login history, order checks, perform internal transfers, stop payments, mobile deposit, pay my loan, and wire transfers. Transactions performed by delegates (sub-users) are conducted on behalf of the business.

The administrator can elect to enable or disable any access, including specific transaction types or features from any user they create.

Yes, delegates (sub-users) will have access to making loan payments if the administrator has enabled this transaction type. The ability to make loan payments may be disabled by the administrator at any time.

Yes, an administrator can remove the delegate’s (sub-user’s) view to specific accounts or limit the type of transactions that can be completed (deposit/withdraw) on the accounts that are viewable.

Yes, if the user has been given access to this feature. The administrator may choose to enable or disable the user’s ability to manage new/existing recipients.

No, unless the administrator grants the delegate (sub-user) access to this feature. The administrator may choose to enable or disable the User Management feature which allows adding, removing, and managing online banking users.

Yes, delegates (sub-users) can use the Forgot Password feature. The temporary passwords and secure access codes will be sent to the contact information that is on file for the user. The administrator will need to verify that the information used to create the user is current and accurate.

No, all delegates (sub-users) must contact the administrator for all LOG IN assistance inquiries. This includes locked access, password resets, and resetting LOG IN IDs.

No, if a delegate (sub-user) contacts Premier America with questions about your business, they will be denied and referred to contact the administrator on the account.

The delegate (sub-user) cannot process funds transfers over the phone.

The delegate (sub-user) is not authorized to obtain transaction information over the phone.

No, unless they received a check payable to the delegate (sub-user) that was signed by an authorized signer on the account. Standard identification process for non-members will apply.

No, the delegate (sub-users) does not have the authority to open new business shares.

No, the delegate (sub-user) does not have the authority to request or apply for loans/credit on behalf of the business.

Business Remote Deposit Capture (bRDC) is a Treasury Management tool that allows business members to deposit checks remotely by capturing a digital image of the check using a check scanner.

Business members who are interested in participating in bRDC are required to complete and submit an enrollment form using the Remote Deposit Capture tab found within Business Online Banking. Once the enrollment form has been completed, Business Services will contact you to confirm the request was received and detail the next steps.

Business members can expect to hear from a Business Services team member within 24-48 business hours from the date the enrollment form was submitted.

No, after submitting the enrollment request, Business Services will contact and inform you that a Treasury Management Application must be submitted to begin the underwriting process for bRDC. The Treasury Management Application will be provided to you by Business Services.

NOTE: The Treasury Management Application can also be found on the Business Remote Capture page on our website.

Yes, each business member will undergo an underwriting process that includes a hard inquiry into your credit report. This credit check helps determine eligibility and approval for bRDC.

The underwriting process varies between each application as additional business documentation may be requested as part of the review. Business Services will inform you via email of the underwriting decision for bRDC.

Business members approved for bRDC will have 2 options:

1. Business members can purchase a scanner directly from Premier America.
2. Business members can purchase/use their own scanner only if it is compatible with the bRDC software.

NOTE: Business members who choose to purchase a scanner from Premier America will complete this process directly with the Business Services department. If you opt to purchase/use your own scanner, a list of compatible scanners will be provided to you at onboarding.

Yes, to begin making deposits, you will need to connect your check scanner to your computer and download the Device Control software to your PC. For assistance downloading Device Control, you will receive a Device Control Guide from Business Services at Onboarding.

Approved bRDC business members can deposit up to 50 checks in one transaction.

Deposits made using bRDC will be subject to holds in accordance with Regulation CC guidelines.

It is recommended to retain deposited checks for up to 90 days after a successful deposit has been made.

Returned checks follow the same process as those deposited via a branch or an ATM. A substitute return check must be provided if you intend on re-depositing the returned check.

Yes, the bRDC software transfers deposit information to Online Banking in real-time.

Upon successful completion of a bRDC deposit, you will receive a receipt confirmation at the end of the transaction. You can choose to have a receipt emailed to you, and you’ll also be able to view a copy of your deposit receipt (for made within the last 6 months) in the History tab.

Yes, you will have access to 6 months of previous check deposit history.

Yes, after the underwriting process is complete, each business member who has been approved for bRDC is given a daily deposit limit that is shared during the onboarding process.

Yes, business members who have been approved for bRDC can grant access to bRDC for delegates (subusers). To complete this, business members (administrators) must ensure the Business Remote Deposit Capture feature is enabled in Business Online Banking for your intended sub-user.

NOTE: The administrator assumes full responsibility for all sub-user transactions that occur within Business Remote Deposit Capture.

For questions or issues regarding bRDC, you can contact Business Services Operations at 818-960-4930, Monday through Friday between 8am-5pm.

Business members interested in reapplying for bRDC must speak to a Business Services team member to discuss further, as each scenario may differ.

Originally chartered by the NCUA in 1957, Premier America proudly serves over 112,000 members with 20 branches in both Texas and California. Premier America ranks as one of the top 100 credit unions in the nation, as measured by asset size, and is committed to making it easier for members to meet today’s needs and reach tomorrow’s dreams.  

The transaction is expected to be completed on April 1, 2026.

Both Premier America and Resource One are strong, values-aligned organizations that are dedicated to the same principles of excellent member service and caring community support. Resource One also wanted a partner who would continue to serve and grow with its members. Premier America is that partner.  

For now, nothing changes. Continue doing your banking just like always. As we near the transition, you will receive all the information you need to be prepared. 

None of the Houston-area Resource One branches will be closing as a result of this acquisition. 

Yes! Premier America is a member of the Shared Branching network. You can expect the same level of service you have always had. 

That is excellent news! You will continue with your accounts at Resource One and Premier America as you do today. As we approach the consolidation date, Premier America will reach out and provide additional information on how you will be supported you through the transition. 

Yes, they will both change. You may get access to your accounts via Online Banking after enrolling as a new user. Your account information was sent to you in early March. If you have any questions, please call our dedicated service line at (800) 225-3328.

For help with questions related to your current accounts at Resource One, please contact the credit union directly. For questions about the transition to Premier America, please call our dedicated service line at (800) 225-3328.

Member Center Hours:
Mon - Fri: 8 a.m. to 8 p.m.
Sat: 9 a.m. to 5 p.m. 
Central Time

Click here to find detailed instructions. 

Each Credit Union has its own charter, which outlines who we can serve through our field of membership, which may include, live in, work, worship or attend school in specified counties. Premier America’s field of membership is for Harris, Fort Bend, and Montogomery County in Texas. If you live outside any of these counties, then the opt in is required. 

All members were mailed their new account numbers in early March.

What should I do if I haven't received it?

Please visit your local branch or contact Premier America’s Contact Center.

If you reside in Fort Bend, Harris, or Montgomery counties, or if you reside in a different county but have opted in to become a member of Premier America Credit Union, your accounts will transfer automatically. If you reside outside of the area and do not opt-in, your accounts will not transfer.

Your current Resource One deposit products will be converted to comparable Premier America deposit products. Your existing Resource One loans will retain the same rate and term once they transition to Premier America.  

Please refer to the Conversion Guide that you received in the mail for additional information. You will also receive specific communications related to your current accounts and loans in March. 

Automatic transactions (deposits and payments) will not carry over to your new Premier America account(s), so please plan to update your information as soon as possible.

If you currently have payroll direct deposit or federal recurring payments such as Social Security sent to your Resource One account, you must inform your deposit provider of your new Premier America routing number (322283990) and new Premier America account number(s), which will be sent to you in early March.

Any direct deposits sent to your previous account information will continue to post for a limited time to allow time for you to update your information and ensure access to your funds. However, you must notify your employer, government agency, or other deposit originators to update your new account number and routing number as soon as possible, beginning on April 1, 2026. 

Direct deposits using your previous account information will only be accepted through April 30, 2026. After this date, deposits will be returned to the originator, which could delay your payment.

No. Your Resource One bill payments and payees will not transfer to Premier America. Resource One bill pay services will end at 7:59 p.m. Central Time on March 31, 2026. After this time, you will no longer be able to create any new bill payments within the Resource One system, and any bill payments scheduled to process after this deadline will not be sent.

You may enroll in Premier America’s Bill Pay services beginning April 1, 2026, and you will need to re-enter your payees and set up new bill payments. We strongly recommend saving a copy of your payees and activity prior to the transition for your records. 

Your Resource One transaction history and statements will not appear in your new Premier America Digital Banking platform. We recommend you download or save any information needed from the Resource One online banking system prior to March 31, 2026.

All members will receive their new cards by March 25, 2026. You will also locate instructions related to the activation bonus with the new cards. 

• Plan to load your new Premier America debit and credit cards to your digital wallet on April 1, 2026.
• Please update any recurring payments on your existing Resource One debit and/or credit cards to your new Premier America debit and/or credit cards on April 1, 2026. This might include any Amazon, Venmo, Paypal, or favorite online retailers you shop at.
• Members who activate their new Premier America debit card by April 30, 2026, will receive a $5 credit posted to their primary savings account in May. 
• Members who activate their new Premier America credit cards by April 30, 2026, will receive a $10 credit posted to their primary savings account in May.

Yes. All consumer and business members will receive a free supply of starter checks. Additional checks may be ordered within Digital Banking or by visiting your local branch.

Payments that are due on or before March 31, 2026, for your Resource One loans should be made to Resource One, no later than 7:59 p.m. CT. All payments due on or after April 1, 2026, on loans that are transferring to Premier America Credit Union should be made payable to Premier America Credit Union. Payments may be made by mail or within your new Digital Banking platform. For assistance, please contact us at 1-800-225-3328.

To prepare, we recommend you download or save any information needed from the Resource One online banking system prior to March 31, 2026. After April 1, 2026, to receive historical statements for your Resource One accounts after the transition, please contact Premier America Credit Union.

The Rules primarily govern the ACH Network. Various Federal Government regulations, such as the Uniform Commercial Code, Regulation E, The Code of Federal Regulations Title 31 CFR Part 210 (Green Book), and the Office of Foreign Assets Control (OFAC), also apply to ACH entries. (Exhibit A) The Rules incorporate these requirements and serve as the primary source for ACH specific requirements. More information about other rules and regulations that govern ACH entries can be found in the Nacha Rules Book, which members will receive a subscription code to access online, free for the first year.

Code	Use Case	Description
PPD	Consumer	Payroll, membership dues, recurring payments
CCD	Corporate	Vendor payments, business-to-business transactions

Originator (that’s you!)	The business initiating the ACH transaction.
ODFI (that’s us!)	Premier America, your ACH processing partner.
Receiver	The person or business that is receiving funds or having funds debited from their account.
RDFI	The financial institution receiving and processing the ACH entry.

Premier America will supply you with the rule book upon enrollment. Thereafter, you will be responsible with purchasing the updated versions in the following years. The rule book can be purchased from Wespay.

We’re making it faster and easier than ever to connect with us. Our voice-activated Contact Center uses advanced technology to recognize your voice and help you get where you need to go no more long menus or button pressing. You can simply speak naturally to manage your accounts, ask questions, and connect with a team member.

Your security is always our top priority. Our system uses advanced voice technology to help protect your account and detect fraud before it happens. It can even identify synthetic voices or AI-generated audio, adding an extra layer of defense against new types of scams. Each call is analyzed in real time, which helps us block suspicious activity and keep your information secure.

Voice authentication is seamless and secure and you don’t have to remember passwords, PINs, or security questions. The system recognizes your voice in the background, verifying your identity quickly and accurately so you can get help faster. It also helps reduce the chances of fraud, giving you peace of mind every time you call.

Yes! Because the system can verify your identity automatically, our team spends less time on lengthy security questions. This means shorter wait times, faster resolutions, and a smoother experience overall.

Absolutely. The system monitors for unusual activity even before anyone speaks with a representative and blocks most phone-based fraud attempts before they reach your account. It continuously learns from suspicious patterns to help stop fraud networks and protect you from emerging threats.

No setup is required. The next time you call us, you’ll automatically benefit from the new voice-activated service. Just speak naturally when prompted, and the system will do the rest.