Checking Accounts That Fit Your Lifestyle
At PremierOne Credit Union, we offer a variety of checking accounts designed to fit your lifestyle and financial needs. Whether you're looking for an account with no fees, high dividends, or convenient mobile banking, we have the perfect option for you.
I want a Checking Account:
- that pays a high dividend: Spend Account
- that offers a choice for paper statement: Standard Account
- that offers a fresh start: Bank On Certified Fresh Start Checking Account
- for a Sole Proprietorship: Business Checking Account
Compare Our Checking Accounts
| Feature | Spend Checking Account | Standard Checking Account | Bank On Certified Fresh Start Checking Account | Business Checking Account |
|---|---|---|---|---|
| Monthly Fee | $0 | $0 | $5 | $10 |
| Minimum Balance Fee | $0 | $0 | $0 | $0 |
| Opening Deposit | $25 | $25 | $25 | $25 |
| Dividends | 2.75% APY* | 0% | 0% | 0% |
| Visa® Debit Card | ✓ | ✓ | ✓ | ✓ |
| eBranch | ✓ | ✓ | ✓ | ✓ |
| Mobile Banking | ✓ | ✓ | ✓ | ✓ |
| Mobile Deposit | ✓ | ✓ | ✓ | ✓ |
| Bill Pay | ✓ | ✓ | ✓ | ✓ |
| Email/Text Alerts | ✓ | ✓ | ✓ | ✓ |
| eStatements | ✓ | $2.00 fee for paper statements | $2.00 fee for paper statements | ✓ |
| Zelle® | ✓ | ✓ | ✓ | No |
| Courtesy Pay Overdraft Coverage | ✓ | ✓ | No | No |
| Financial Calculator | ✓ | ✓ | ✓ | ✓ |
| CO-OP Network Access | ✓ | ✓ | ✓ | ✓ |
| Other ATM Fee Reimbursement | Up to $20 per month | No | No | No |
| Free Unlimited Check Writing | ✓ | ✓ | ✓ | ✓ |
Spend Account
Checking account that rewards you with an amazing rate for everyday purchases.
Qualifications are as follows:
- at least 12 debit card purchases
- log in to online or mobile banking
- enroll in eStatements
Standard Account
A basic or second checking account that offers a choice for paper statements.
Open a Standard Checking
Bank On
Certified Fresh Start Checking Account
Safe, affordable certified banking with low fees and online tools.
Contact Us
Business Checking Account
An account for a Sole Proprietorship with excellent benefits.
Contact Us
PremierOne Credit Union Checking Account FAQs
What checking account is best for me at PremierOne Credit Union?
The best checking account for you depends on your financial needs, spending habits, and goals. PremierOne Credit Union offers checking accounts designed to fit different financial situations, whether you’re looking for an account for everyday banking, convenient access to your money, or an option to build or rebuild your credit.
The Spend Checking Account is designed for members who want to earn dividends and use their debit card regularly, while the Standard Checking Account offers a simple everyday banking option. PremierOne also offers a Bank On Certified Fresh Start Checking Account and a Business Checking Account for sole proprietors.
Compare our checking account options to find the features and benefits that are right for you. If you’re not sure which checking account is the best fit, our team is here to help you choose an account based on your needs
How do I open a checking account at PremierOne Credit Union?
You can open a checking account by becoming a PremierOne Credit Union member and selecting the account that best fits your needs. Most checking accounts require a minimum opening deposit and can be opened online or with assistance from a PremierOne representative. Start your online application by clicking the button below.
Open Checking Account Online
Does PremierOne Credit Union offer free checking accounts?
Yes. PremierOne Credit Union offers checking account options with no monthly maintenance fees, including the Spend Checking Account and Standard Checking Account. These accounts provide access to features such as debit cards, online banking, mobile banking, and bill pay.
Can I use mobile banking with a PremierOne checking account?
Yes. PremierOne checking accounts include access to mobile banking services that allow you to check balances, transfer funds, deposit checks remotely, pay bills, send money with Zelle®, access your free credit score, add your card to mobile wallet, and monitor account activity from your mobile device.
What are the benefits of the Spend Checking Account?
The Spend Checking Account offers dividend earnings, there are no monthly maintenance fees or minimum balance requirements, and convenient access to online and mobile banking, mobile deposit, bill pay, debit card services, and other digital banking features. Members can earn the highest available dividend rate by meeting the account’s monthly qualification requirements.
What is a Bank On Certified Fresh Start Checking Account?
The Bank On Certified Fresh Start Checking Account is designed to provide safe, affordable banking for individuals seeking a fresh financial start. It offers essential checking account services, low fees, online banking tools, and helps members establish a stronger banking relationship.
Can I get a debit card with my checking account?
Yes. PremierOne checking accounts include access to a Visa® debit card that can be used for purchases, ATM transactions, and managing everyday spending. Debit card access is included with all checking account options.
What digital banking features come with checking accounts?
PremierOne checking accounts include convenient digital banking tools such as online banking, mobile banking, mobile check deposit, bill pay, eStatements, account alerts, send money with Zelle®, access your free credit score, add your card to mobile wallet, monitor account activity from your mobile device, and access to the CO-OP ATM network. These features help members manage their finances anytime and anywhere.
Additional Resources
*The Spend Account is a tiered rate account. The minimum to open an account is $25. Rate tiers are as follows: First tier applies to balances of $0.01 - $25,000 if qualifications are met during the monthly qualification cycle. The second tier applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. The third tier applies to all balances if monthly qualifications are not met. Qualifications are as follows: make at least 12 debit card purchases, log in to online banking or mobile banking and enroll in eStatements. Rates may change after the account is opened. Offer for a limited time. There is a $2 monthly fee to receive paper statements with this account. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. The qualification cycle will begin on the last day of each month and end on the second to last day of each month. View the 2026 Cycle Calendar. One PremierOne Spend account allowed per person. ATM Fee reimbursements up to $20 provided only if qualifications are met within the monthly qualification cycle.
The Bank On Certified Fresh Start Checking Account is not eligible for Courtesy Pay Overdraft Coverage and is exempt from overdraft and NSF fees. All items will be returned unpaid if there is not sufficient funds in the account at the time of presentment. Please refer to the Schedule of Fees and Charges for current fee information.