Smart Spending Checking Account
Hidden Fees? Not here! Enjoy a checking account with ZERO FEES1. Plus, you can earn up to $1002 simply for signing up for Direct Deposit, a smart move that can help you get paid up to two days early.
More convenience, plus a $100 bonus
- Access to 30,000-plus free ATM fees nationwide4
- Online Banking and Bill Pay
- Free Mobile Banking and mobile check deposit
- Mastercard debit card for fast, easy purchases
- Person-to-person payments with Zelle®
- Paper-free online eStatements
- Free credit score access
- Breathe easier with round-the-clock fraud monitoring
- Certified and meets Bank On National Standards for a safe and affordable account
Now through December 31, when you open a Smart Spending account, you can easily earn up to a $100 bonus!2
How does our Smart Spending account stack up against Chime?
Smart Spending
Chime
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
No
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
Get started now
Start enjoying the benefits of a FEE-FREE Checking, open your new account today!
Disclosures
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.
1Standard fees may apply to addition account services
2$75 incentive available to individuals who open a first-time Smart Spending account. Account must remain in good standing for 45 days to qualify for incentive. Promo code SmartSpending24 must be used during account opening. Offer valid until December 31, 2024. $25 Head Start Savings BONUS is available when monthly direct deposit (minimum single deposit of $200) added within the first 45 days after account opening. Converted Smart Spending checking account not eligible for bonus. $75 and $25 bonuses will be paid out separately.
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.
4Premier 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.
1Standard fees may apply to addition account services.
An initial deposit of $1 in a consumer share savings is required to join Premier America. Federally Insured by NCUA.
1Standard fees may apply to addition account services
2$75 incentive available to individuals who open a first-time Smart Spending account. Account must remain in good standing for 45 days to qualify for incentive. Promo code SmartSpending24 must be used during account opening. Offer valid until December 31, 2024. $25 Head Start Savings BONUS is available when monthly direct deposit (minimum single deposit of $200) added within the first 45 days after account opening. Converted Smart Spending checking account not eligible for bonus. $75 and $25 bonuses will be paid out separately.
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.
4Premier 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.
1Standard fees may apply to addition account services.
An initial deposit of $1 in a consumer share savings is required to join Premier America. Federally Insured by NCUA.