Open your Smart Spending Checking Account Today!

Join our growing Houston community who have given up banking with needless fees with our free Smart Spending account complete with Zelle and Early Payday1!
No monthly or overdraft fees2
Direct Deposit = Early Payday1
Free Online & Mobile Banking

More convenience, plus a $25 Head Start Bonus3

Smart Spending Checking is designed to make life easier and less expensive. You'll save time with digital banking tools and save money with no monthly or overdraft fees. Plus, we'll give you a $25 bonus3 simply for setting up your Direct Deposit, a smart move that can help you get paid up to two days early.1

  • 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

How does our Smart Spending Checking account stack up against Chime?

Chime
Smart Spending Checking Account
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
No
Yes
Automatic Ways to Save
No
Yes
Local Branch Network
No
Yes
Face-to-face Help
No
Yes
NO Fees to Physically Deposit Cash or Checks
Up to $4.95 per deposit
Yes
Zelle® Payments
No
Yes
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.

1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Funds may be available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date.

2Standard fees may apply to additional account services

3To 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. 

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.

A deposit of $1 into a Smart Savings account is required to join Premier America Credit Union. Federally Insured by NCUA.