Premier America Checking

Three flexible checking options. One smart move for your money.
Now it's even easier to bank with 3 new local branches

Smart Spending Checking

Best for young adults who enjoy banking digitally.

No-fee, free checking
Overdraft protection up to $100
$200 New Account Bonus^{4

(Use Promo Code Goals26)}

Open Now

Primary Checking

Tailored for members opening their first account or anyone who wants simple, everyday checking.

No monthly or minimum balance fees
Convenient 24/7 access
$200 New Account Bonus^{4

(Use Promo Code Goals26)}

Open Now

Premier Plus Checking

Meant for members with direct deposit, higher balances, and avid debit card users.

Earns up to 3.50% APY⁵
ATM fee rebates up to $20/month
$200 New Account Bonus^{4

(Use Promo Code Goals26)}

Open Now

Disclosures

¹Standard fees apply to additional account services.
²Premier 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. This account will be eligible for up to $20 each month in ATM fee rebates to be credited to your account nightly.
³Early 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.
³APY: 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.
⁴To qualify for the $200 New Checking Account Bonus, new account must be opened before May 31, 2026, with promo code Goals26. New checking must have an ACH Direct Deposit (minimum single deposit of $250), be opted in to eStatements, and conduct 10 debit and/or credit card point of sale transactions within the first 60 days of account opening. Bonus will be paid in 2 separate $100 deposits made on day 61 if all qualifications are met and membership is in good standing. Members with open or converted checking account not eligible for account bonus. Bonus will be subject to IRS tax reporting. Member will receive a 1099 Form from Premier America. Offer subject to change or end without notice. Offer may not be combined with any other offer, except at the sole discretion of Premier America Credit Union.

An initial deposit of $1 in a Consumer Smart Savings Share is required to join Premier America and $25 to open a Premier Plus Checking Share. Federally Insured by NCUA