Premier America Premier Plus Checking Review: 1.50% APY, Early Pay & ATM Rebates

What is Premier Plus Checking?

Premier Plus Checking is a premium checking account from Premier America Credit Union. It offers more perks than a standard checking account by rewarding members who actively use their accounts.

Key Features & Benefits

💰 1.50% APY Dividend Earnings

Earn dividends at a competitive 1.50% APY—well above the national average for checking accounts. To qualify, simply enroll in eStatements and use your Premier America Debit Mastercard or credit card at least 15 times per month.

⏰ Get Paid Up to 2 Days Early

Set up direct deposit and receive your paycheck up to two days earlier than traditional paper check processing. This early access can help with budgeting and managing cash flow.

🏧 $20 Monthly ATM Fee Rebates

Access over 30,000 fee-free ATMs nationwide. If you use an out-of-network ATM, Premier America will refund up to $20 per month in ATM fees, helping you save money on cash withdrawals.

📲 Zelle® for Fast, Fee-Free Payments

Send money quickly and securely using Zelle® integrated into the Premier America mobile app. Whether it’s paying rent, splitting bills, or sending gifts, Zelle® makes it easy and free.

🎁 $100 Cash Bonus

Open a Premier Plus Checking account and start using it to become eligible for a $100 cash bonus. This is a great incentive to switch or open a new account. Terms apply.

Is Premier Plus Checking Right For You?

This account is ideal for people who:

• Want to earn interest on checking balances
• Prefer early paycheck access
• Use ATMs frequently and want ATM fee rebates
• Enjoy digital tools like Zelle®
• Appreciate member-focused service at a credit union

Considerations

• Premier America Credit Union membership is easy, but not automatic— you can qualify by being a resident of California or Texas.

The Bottom Line.

Premier America’s Premier Plus Checking is an excellent choice if you want a checking account that actually works for you by paying dividends, offering early paycheck access, and minimizing ATM fees. The requirement to use your debit or credit card 15 times monthly to earn the 1.50% APY is reasonable for most regular spenders, making this a great all-around account for everyday banking.

If you frequently withdraw cash, rely on early paycheck access, or want to earn interest while using your checking account, Premier Plus Checking is definitely worth considering.

Looking To Sign Up? 👀

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Advertiser Disclosure: Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how they appear on a page. However, our opinions are our own. Here’s a list of our partners.

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