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 offers and pays a high dividend: Spend Account
- a basic or second checking account that offers a choice for paper statement: Standard Account
- an account for a Sole Proprietorship: Business Checking
Compare Our Checking Accounts
| Feature | Spend Account | Standard Checking | Business Checking |
|---|---|---|---|
| Monthly Fee | $0 | $0 | $10 |
| Minimum Balance Fee | $0 | $0 | $0 |
| Opening Deposit | $25 | $25 | $25 |
| Dividends | 2.75% APY* | 0% | 0% |
| Visa® Debit Card | ✓ | ✓ | ✓ |
| eBranch | ✓ | ✓ | ✓ |
| Mobile Banking | ✓ | ✓ | ✓ |
| Mobile Deposit | ✓ | ✓ | ✓ |
| Bill Pay | ✓ | ✓ | ✓ |
| Email/Text Alerts | ✓ | ✓ | ✓ |
| eStatements | ✓ | $2.00 fee for paper statements | ✓ |
| Zelle® | ✓ | ✓ | No |
| Overdraft Options | ✓ | ✓ | No |
| Financial Calculator | ✓ | ✓ | ✓ |
| CO-OP Network Access | ✓ | ✓ | ✓ |
| Other ATM Fee Reimbursement | Up to $20 per month | No | No |
| Free Unlimited Check Writing | ✓ | ✓ | ✓ |
Spend Account
Checking account that rewards you with an amazing rate for everyday purchases.
Open a Spend Account
Standard Account
A basic or second checking account that offers a choice for paper statements.
Open a Standard Checking
Business Checking Account
An account for a Sole Proprietorship with excellent benefits.
Open a Business Checking by Appointment
Additional Resources
*The Spend Account is a tiered rate account. The minimum to open an account is $25. Rate tiers are as follows: 2.75% APY (a dividend rate of 2.72% applies to balances of $0.01 - $25,000, and 0.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle). A 0.00% APY applies to all balances if monthly qualifications are unmet. Qualifications include making at least 12 debit card purchases, logging in to online banking, and enrolling in eStatement. 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 has been updated for 2025 and can be found here: View the 2025 Cycle Calendar. One PremierOne Spend account is allowed per person. ATM Fee reimbursements up to $20 are provided only if qualifications are met within the monthly qualification cycle.