Smart Spending Account
Enjoy No Service or Overdraft Fees & Get Paid Up to 2 Days Early1!

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. With early direct deposit, you'll get paid up to 2 days early1 and with no monthly service or overdraft fees, you'll get to keep more of your hard-earned money. Plus, with a top-rated app, paying your bills, depositing checks and paying friends, and family is easy.
It's got all the smart stuff.
Early Direct Deposit   No Monthly Service
or Overdraft Fees
No Minimum
  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 deposit
3 to your account.

Additional Account Benefits.
FREE Online & Mobile Banking
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 Fee2


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
Automatic Ways to Save (Change Jar) Nope
Local Branch Network Nope
Face-to-face help
if you need it
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 safe and affordable 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.

1Early 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.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. 3 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. Federally Insured by NCUA.

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