Checking Accounts :: Checking :: Checking and Savings

Checking Accounts

All checking accounts come with a Smart Savings Account.

Pays dividends on savings
- Account holders with eStatements and an active checking account (3 or more monetary transactions each month) earn 5.00% Annual Percentage Yield (APY) on balances $.01 to $500.00 and the Regular Savings APY on balances $500.01 and over. Existing members can sign up for eStatements by logging in to Internet Banking and selecting eStatements.
- Without eStatements and an active checking account, account holders earn the Regular Savings APY on all balances over $.01.
$5.00 provides all the privileges of membership.
Withdrawal restrictions apply.
Also available for members under the age of 18 (with parent or sponsoring adult as joint owner).

Features:		Our Basic Checking	Pays Dividends	Higher Dividends for High Balances	2nd Chance Checking	Ages 13-17
	Description	Primary Checking	Premier Checking	Platinum Checking	Fresh Start Checking	New Generation Checking
Free Debit MasterCard®	Use signature or PIN to access your account Surcharge free at Premier America ATMs Surcharge free at 28,000+ nationwide CO-OP Network ATMs Make cash withdrawals or point-of-sale purchases at ATM/merchants bearing the following logos (a surcharge may apply; check the ATM/merchant before use) MasterCard® CO-OP Network Star ®	Yes	Yes	Yes	Yes	Yes
Free ATM Card	Use PIN to access your account Surcharge free at Premier America ATMs Surcharge free at 28,000+ nationwide CO-OP Network ATMs Make cash withdrawals or point-of-sale purchases at ATMs/merchants bearing the following logos (a surcharge may apply; check the ATM/merchant before use) CO-OP Network Star®	Yes	Yes	Yes	Yes	Yes
Non-Premier America or CO-OP ATM fee waiver	No	No	No	Yes, 8 per statement period*	No	No
Free CO-OP ATM Transactions	28,000+ nationwide CO-OP Network ATMs Surcharge free	Yes	Yes	Yes	Yes	Yes
Unlimited Branch Use	Six community branches to serve you	Yes	Yes	Yes	Yes	Yes
Free Shared Branching Access	6,400+ Credit Union Service Centers Transact business almost as if you were in a Premier America branch Deposits and withdrawals Transfer funds Receive statement prints Loan payments Loan advances and more!	Yes	Yes	Yes	Yes	Yes
Free Home Banking	Use Account Number, PIN and personal computer to access your account Available 24/7 to: Account Summary Transfer funds View eStatement Apply for a loan Pay your bills And more!	Yes	Yes	Yes	Yes	Yes
Free Bill Pay	Securely submit payments online Service guarantee Save time and money Pay virtually any company or person nationwide. Receive electronic bills (e-bills) Mobile access	Yes	Yes	Yes	Yes	Yes
Funds Transfer Service	Move funds between your own bank, credit union or investment accounts Send money to anyone, anywhere in the United States, via e-mail	Yes	Yes	Yes	Yes	Yes
Automated Telephone Banking Service	Call 800-772-4000 or 818-772-4000, 24 hours a day, 7 days a week, to: Review account balances Make loan payments Transfer funds Find out if a specific check has cleared All you need is your Account Number and PIN.	Yes	Yes	Yes	Yes	Yes
Free Mobile Access	Access Home Banking and Bill Pay services at www.premier.org from any internet-enabled mobile device.	Yes	Yes	Yes	Yes	Yes
Direct Deposit	Deposit all or part of your payroll directly to your account. No need to wait for a check to arrive or stand in line to deposit it. Available for Social Security, military, government, and payroll checks.	Yes	Yes	Yes	Yes	Yes
Dividend-Paying Account		No	Yes	Yes	No	No
Overdraft Protection Available	Keep your account in good standing. Credit limits of $1,000-$5,000 Revolving, open-end overdraft protection Low variable rate	Yes	Yes	Yes	Yes	Yes
Monthly Service Fee		$0	$5	$15	$13	$0
Method to Waive or Reduce Monthly Service Fee		N/A	Maintain $1,500 minimum daily balance	$10,000 minimum daily balance in checking account $25,000 minimum daily balance in Savings or Money Market Accounts Outstanding first mortgage	Reduce monthly fee to $10 with minimum of $200 monthly direct deposit
Minimum Deposit to Open		$100	$100	$100	$25	$25
Unlimited Check Writing		Yes	Yes	Yes	Yes	Yes

* Surcharge imposed by non-Premier America/CO-OP ATM owners or operators will not be waived.

ATM & Branch Locator

Checking and Savings