Checking Accounts

Accounts designed for YOU and your everyday needs.

Checking accounts that help you achieve goals in life, not slow you down.

As an added benefit, a portion of every debit card purchase goes towards helping fight food insecurity in our community as well as building financial stability though the Premier America Foundation.

Open an Account


All Premier America checking accounts come with:

  Free Online Banking & Bill Pay
  30,000+ Surcharge Free ATMs Nationwide1
  Early Payday with Direct Deposit2
  Free Debit Card, Plus Instant Issue with Fraud Protection
  Free Mobile App and Mobile Deposit
  Free Payments With Zelle®
  Free Money Management Tools
  Free Overdraft Account Transfers

Compare Our Checking Accounts


Smart Spending


Premier Plus Checking


Chase Bank

Dividend Rate 0.00% 1.50%3 APY 0.00%
Offer Early Payday Yes Yes No
ATM Fee Reimbursement No Yes No
Monthly Service Charge $0 $0 $0-125
NSF Fees NA $29 $34
Max Dividend Earned on $20,000 Average Daily Balance $0 $3024 $0
Donation to Charitable Foundation $0.01 / Card Swipe $0.01 / Card Swipe Unknown
Free Checks No Yes6 No
Other Features

Overdraft Protection with Free Overdraft Account Transfers

Certified by Bank On for meeting National Account Standards as a safe and affordable account

BankOn - National Account Standards - 2021/2022 Approved

Overdraft Protection with Free Overdraft Account Transfers

Standard Courtesy Pay Option



Open an Account


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Open an Account


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Fresh Start Checking

If you’ve experienced financial issues and have a past ChexSystems record, this account offers the convenience of a checking account and the chance to rebuild a positive checking account history.

  • $25 Minimum Opening Deposit
  • No Minimum Balance Requirement
  • Monthly Service Fee of $10 with Direct Deposit of $200 per month; $13 Monthly Service Fee without Direct Deposit
  • Overdraft Protection
  • Free Overdraft Account Transfers

To open a Fresh Start Checking, contact or visit your local branch.

Other Reasons to Open a Premier America Checking Account


Online Card Management

You're always in-the-know with customized alerts, notifications, and card management from our Mobile App.

Protection and Peace of Mind

Your funds are NCUA insured up to $250,000.


No Fee ATMs

Access to over 30,000 fee-free ATMs. 

Free Credit Score

When you create your Online Banking account, you'll have access to your true credit score to help you see your progress and maintain for financial health.

Additional Checking Account Benefits

  • FREE Internal & External Transfers
  • NCUA Insured up to $250,000
  • Digital Wallet Options
  • FREE Deposits (Mobile/Branch/ACH)
  • Free Account & Fraud Activity Alerts
  • NO Out-of-Network ATM Fee1
  1. 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.
  2. ‚ÄčEarly 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.
  3. APY: Annual Percentage Yield. 1.50% APY paid on balances up to $20,000.00 and 0.10% APY paid on funds exceeding $20,000. Requirements to earn premium yield 1) Fifteen or more Premier America Credit Union debit and / or credit card purchases must post to the card between the first day of the month and the last day of the month. 2) Must be opted in for eStatements. If qualifiers are not met, 0.10% APY will be paid on all balances. Rate is subject to change after account is opened. is Any points earned on a Premier America Credit Union Premier Privileges Rewards Mastercard® credit card will still accrue even if these requirements are not met. Fees may reduce earnings. Premier Plus Checking is a consumer-only account.
  4. Estimated annual earnings based on meeting the dividend rate qualifications each month with an Average Daily Balance of $20,000 using
  5. Fees via on August 25, 2023.
  6. Your first box of checks are free with a Premier Plus Checking account.
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