Smart Spending Account
Digital when you want it & branches if you need them.

We see you - working hard & waiting for payday. That's why we created the Smart Spending Account. It's a digital way to bank, designed from the ground up to be easy. And, because we know you're so over overdraft fees, we got rid of them. You can also say goodbye to monthly service fees. There are none. And, with a top-rated app, paying your bills, depositing checks and paying friends, and family is easy. 
 
It's got all the smart stuff.
 
 
No Monthly
Service Fees
  No Minimum
Opening Deposit
     
 
No Deposit
Fees
  Free Payments
with Zelle®
     
 
Oops Overdraft Protection
with NO Fees
  30,000+ Free
ATMs Nationwide*
     
 
$100 makes free even better.
Sign up and get a $100 head start savings BONUS when you add monthly direct deposit1 to your account.
 
 
  GET STARTED  
 

Additional Account Benefits.
 
*
FREE Online &
Mobile Banking
*
FREE Debit Card
*
FREE Internal &
External Transfers
*
NCUA Insured
UP TO $250,000
*
Digital Wallet Options
 
*
FREE Deposits (mobile/branch/ACH)
*
FREE Bill Pay 
*
FREE eStatements
*
FREE Fraud Monitoring
*
FREE Credit Score
*
NO Out-of-Network ATM Fee*

 

How does our Smart Spending account stack up against Chime?
 
  Smart Spending  Chime
No Monthly Service fees * *
No Overdraft Fees * *
Free Bill Pay * *
Debit Card & Mobile App * *
Savings Account
Automatically Included
* Nope
Automatic Ways to Save (Change Jar) * Nope
Local Branch Network * Nope
Face-to-face help
if you need it
* Nope
NO Fees to Physically Deposit
Cash or Checks
* Up to $4.95 per deposit
Zelle® Payments * Nope



Open a Smart Spending account today!

*Premier 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. 1 $100 Head Start Savings Bonus is a promotional offer available 09/07/21 – 12/31/21. Monthly ACH Direct Deposit (minimum $200) must be added to account in first 45-days from account opening to qualify. Offer subject to change or end without notice. A deposit of $5 into a Smart Savings account is required to join Premier America Credit Union. For businesses, a deposit of $250 into a Business Savings account is required to join Premier America Credit Union. Federally Insured by NCUA.

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