Make an Appointment Branches Join Contact Us Rates About Us COVID-19 Updates Routing Number: 322283990 ONLINE BANKING Because You're So Over Overdraft Fees CHECKING AND SAVINGS LOANS AND CREDIT CARDS MAKE A PAYMENT INSURANCE WEALTH MANAGEMENT COMMUNITY Home Checking and Savings Checking Accounts Smart Spending Checking Accounts Smart Spending Primary Checking Direct Deposit ClickSWITCH Change Jar Debit Cards Moving Out of the Area Overdraft Protection Online Account Opening System Savings Accounts Mobile Bill Pay Online Services Smart Spending Account Digital when you want it & branches if you need them. We see you - working hard & waiting for payday. That's why we created the Smart Spending Account. It's a digital way to bank, designed from the ground up to be easy. And, because we know you're so over overdraft fees, we got rid of them. You can also say goodbye to monthly service fees. There are none. And, with a top-rated app, paying your bills, depositing checks and paying friends, and family is easy. GET STARTED It's got all the smart stuff. No Monthly Service Fees No Overdraft Fees No Minimum Balance No Deposit Fees Free Payments with Zelle® 30,000+ Free ATMs Nationwide* $100 makes free even better. Sign up and get a $100 head start savings BONUS when you add monthly direct deposit1 to your account. GET STARTED Additional Account Benefits. FREE Online & Mobile Banking FREE Debit Card FREE Internal & External Transfers NCUA Insured UP TO $250,000 Digital Wallet Options FREE Deposits (mobile/branch/ACH) FREE Bill Pay FREE eStatements FREE Fraud Monitoring FREE Credit Score NO Out-of-Network ATM Fee* How does our Smart Spending account stack up against Chime? Smart Spending Chime No Monthly Service fees No Overdraft Fees Free Bill Pay Debit Card & Mobile App Savings Account Automatically Included Nope Automatic Ways to Save (Change Jar) Nope Local Branch Network Nope Face-to-face help if you need it Nope NO Fees to Physically Deposit Cash or Checks Up to $4.95 per deposit Zelle® Payments Nope Open a Smart Spending account today! *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. 1 $100 Head Start Savings Bonus is a promotional offer available 09/07/21 – 12/31/21. 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. A deposit of $5 into a Smart Savings account is required to join Premier America Credit Union. For businesses, a deposit of $250 into a Business Savings account is required to join Premier America Credit Union. Federally Insured by NCUA. QUICK LINKS Join APPLY NOW Branches /ATMS SEARCH Make a Payment VIEW Mobile App LEARN MORE Calculators VIEW Learn LEARN MORE HOME PRIVACY POLICY DISCLOSURES & FEES CAREERS JOIN Branches/ATM Locator ATMs Calculators Newsletter Avoid Foreclosure Security Center Fraud & ID Theft Prevention Card Alerts Login Security Routing Number 322283990 If you are using a screen reader and are having problems using this website, please call 800-772-4000, for assistance. Copyright © 2021 Premier America Credit Union. All rights reserved. NMLS #458259 This site uses cookies to store information on your computer/device and collect personal information. Cookies are strictly necessary/essential to run our website and also help us enhance site navigation, analyze site usage, and assist in our marketing efforts. We encourage you to read our Privacy Policy to learn more about how we use cookies and how we collect and use visitor data. By continuing to use this site, you consent to the placement of these cookies and our Privacy Policy. Got it