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 Overdraft Fees
No Minimum Balance   No Deposit
Free Payments
with Zelle®
  30,000+ Free
ATMs Nationwide*
$25 makes free even better.
Sign up and get a $25 Head Start Savings BONUS when you add monthly direct deposit1 to your account.

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


  Premier America Smart Spending Account has been certified by Bank On for meeting National Account Standards as a low-cost, low-fee account.

Open a Smart Spending account today!

This account is available to individuals 13 years and older. For individuals aged 13 through 17, a parent or  other sponsoring adult must be a joint owner.

*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 To qualify for the $25 Head Start Savings Bonus a monthly ACH Direct Deposit (minimum single deposit of $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 $1 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.

This site uses cookies to store information on your computer/device and collect personal information. Cookies are strictly necessary/essential to run our website and also help us enhance site navigation, analyze site usage, and assist in our marketing efforts. We encourage you to read our Privacy Policy to learn more about how we use cookies and how we collect and use visitor data. By continuing to use this site, you consent to the placement of these cookies and our Privacy Policy.
Got it