Smart Spending Checking - Get everyday simplicity, zero fees, zero surprises, and a few extra perks to make life a little easier. Plus, get a $100 BONUS4 with your new active checking account.
How does our Smart Spending Checking account stack up against Chime?
Smart Spending Checking Account
Chime5
Name
No Monthly Service Fees
Yes
Yes
No Overdraft Fees
Yes
Yes
Free Bill Pay
Yes
Yes
Debit Card & Mobile App
Yes
Yes
Savings Account Automatically Included
Yes
No
Automatic Ways to Save
Yes
Yes
Local Branch Network
Yes
No
Face-to-face Help
Yes
No
NO Fees to Physically Deposit Cash or Checks
Yes
Up to $4.95 per deposit
Zelle® Payments
Yes
No
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, 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.
2Early 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.
3Premier 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.
4To qualify for the $100 New Smart Spending Checking Account Bonus, the new account must meet the following requirements 1) Have an ACH Direct Deposit (minimum single deposit of $250), 2) Opt in to eStatements, and 3) Conduct 10 debit and/or credit card point of sale transactions within the first 60 days of account opening. A bonus is paid on day 61 if all qualifications are met, and membership is in good standing. Members with existing or converted checking accounts are not eligible for an account bonus; nor are individuals that held a prior membership that was closed within the past 24 months. The bonus will be subject to IRS tax reporting. Members will receive a 1099 Form from Premier America. Offer subject to change or end without notice. The offer may not be combined with any other offer, except at the sole discretion of Premier America Credit Union.
5Chime fees via Chime.com on September 10, 2025.
An initial deposit of $1 in a Consumer Share Savings is required to join Premier America. Federally Insured by NCUA.
2Early 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.
3Premier 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.
4To qualify for the $100 New Smart Spending Checking Account Bonus, the new account must meet the following requirements 1) Have an ACH Direct Deposit (minimum single deposit of $250), 2) Opt in to eStatements, and 3) Conduct 10 debit and/or credit card point of sale transactions within the first 60 days of account opening. A bonus is paid on day 61 if all qualifications are met, and membership is in good standing. Members with existing or converted checking accounts are not eligible for an account bonus; nor are individuals that held a prior membership that was closed within the past 24 months. The bonus will be subject to IRS tax reporting. Members will receive a 1099 Form from Premier America. Offer subject to change or end without notice. The offer may not be combined with any other offer, except at the sole discretion of Premier America Credit Union.
5Chime fees via Chime.com on September 10, 2025.
An initial deposit of $1 in a Consumer Share Savings is required to join Premier America. Federally Insured by NCUA.