Checking Accounts



Basic Checking

  • NO minimum or opening balance
  • NO monthly service fee
  • Debit Card
  • 15 Free PIN-based purchase and ATM withdraw transactions per month at no charge.*
  • NO ATM surcharge fee at Privileged Status ATMs

Wait there's more

High Yield Checking

With Premier Credit Union's High-Yield Checking account, simply meet a few monthly requirements and you'll earn a great ACCOUNT RATE on balances up to $10,000. 

Monthly Requirements

It's that simple, complete these requirements each month, and you'll earn a great ACCOUNT RATE.

What happens if you don't meet these monthly requirements?
Regardless of whether you meet the monthly requirements for this account, you'll still earn 0.10% APY* on your High Yield Checking balance and enjoy

Account Rates

*3.00% Annual Percentage Yield (APY) paid on balances between one penny and $10,000 and 0.10% APY paid on all amounts above $10,000.00 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a checking account earning 0.10% APY. Rates as of November 1, 2014.  Interest rate and APY subject to change at any time after the account is opened. No Minimum Balance Required. Minimum requirements to earn bonus rate include Direct Deposit, e-Statements, Online Banking and at least 25 signature-based Debit Card transactions must be posted to the account within a one calendar month period. ATM and PIN-generated transactions do not qualify member for bonus rate. Available to Personal Accounts only. No monthly service charge. Maintenance or activity fees could reduce the earnings of this account.  Call Credit Union for full account details.

**15 FREE Debit card - PIN-based purchase and ATM withdraw transactions per month at no charge.  Deposit and balance inquiries do not count as a transaction.  Once an account reaches 15 transactions within a calendar month, it will be charged a fee of $0.50 for each transaction over 15. Note:  FREE, UNLIMITED usage for Credit card - Signature-based transactions with the Visa Debit Card.


Privilege Pay Overdraft Service

With Privilege Pay, Premier Credit Union will extend the courtesy of paying your checks or other electronic/ACH items when you do not have sufficient funds in your Share Draft/Checking account*.  The credit union does not encourage you to overdraw your account.  We understand that mistakes can happen, and Privilege Pay can save you the embarrassment of a bounced check as well as save you money by helping you avoid merchants costly return fees.  There is a fee for this service, please see Insufficient Funds on the Fee Schedule.

This service is not available for everyone.  If you are eligible for the service, it will automatically be added to your share draft/checking account(s).  You may opt out of this service at any time.

To opt-out of the Privilege Pay service, please provide a verbal (phone) or written request sent via our contact us page.  This request will be completed within 24-48 hours upon receipt.

How It Works

Privilege Pay allows you to overdraw your account in order to pay items presented by check or ACH.  Everday Debit and ATM transactions are not covered.  You can view your Privilege Pay usage at any time by reviewing your statement or Online Banking history.

Premier Credit Union will use your Available Balance when determining if you have sufficient funds to pay an item.  Your available balance may be different from your ledger and/or current balance, depending upon pending transactions. 

Other Overdraft Options

Premier Credit Union offers alternative overdraft services such as overdraft line of credit and automatic transfers from other accounts we well.  Ask us for details.  If you have an existing overdraft protection from your share/savings account and/or overdraft line of credit, we will access those funds for payment prior to utilizing Privilege Pay.

*Premier Credit Union will normally pay overdrafts within Privilege Pay limits; however, payment by Premier Credit Union is a discretionary courtesy and not a right or obligation.  We may refuse to pay an overdraft for you at any time even though we may have previously paid overdrafts for you.  The Privilege Pay service may be withheld by Premier Credit Union at any time without prior notice, reason, or cause.



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