Personal Checking

PremierBank offers a variety of checking account products in order to serve your banking needs.

All PremierBank checking accounts have the following features:

  • Free Online Banking
  • Free eStatements
  • Free Online Bill Pay*
  • No annual fee for a PremierBank Check Card or ATM Card*

*Subject to Approval

Compare Checking Accounts

 

Free Checking

Our Free checking with no service fees.

  • No minimum balance requirements.
  • No check writing limits.  Check images are retained by the Bank. 
  • $50 minimum opening deposit.

Teen Checking

For our young adults ages 15 - 17 only.  At least one parent or guardian must also be on the account. 

  • No service fees.
  • No minimum balance requirements.
  • No check writing limits. Check images are retained by the Bank.
  • $50 minimum deposit to open the account.

Traditional Checking

For our customers who prefer to receive their check images on a monthly basis.  Traditional Checking customers also can receive a free initial trust consultation, five free photocopies and the purchase fee waived on five personal money orders per month. 

  • There is a $100 minimum deposit required when opening the account. 
  • The account must maintain a $300 minimum daily balance or a $600 average daily balance* in order to avoid a service charge of $8 per month.
  • You are charged $0.25 per check or debit if more than 10 checks or debits occur per month. 

Premier Checking

This checking account is for our customers who have direct deposit of their social security and/or retirement funds or have attained age 65. 

  • $100 minimum deposit is required when opening the account. 
  • There is unlimited check writing, your check images are sent with your statement.
  • No required monthly balance. 
  • We will waive the purchase fee on five personal money orders per month and offer a free initial trust consultation to our Senior Checking customers.
 

Interest Checking

This tiered interest rate account is designed for our customers who maintain higher balances.  Your check images are included with your statement.  You may receive up to five free photocopies and the purchase fee is waived on five personal money orders per month.  We also offer a free initial trust consultation. 

  • There is a minimum deposit of $1,000 when opening the account. 
  • You must maintain a $1,000 minimum daily balance or a $1,500 average daily balance* in order to avoid the monthly service charges, which are $7 per month plus $0.25 per check or debit. 

Interest will be compounded monthly and will be credited to your account monthly.  We use the daily balance method to calculate the interest on your account.  The daily balance method applies a daily periodic rate to the principal in the account each day. 

Please ask us for our current rates or see the Deposit Rates.

The annual percentage yield (APY) is based on monthly compounding.  The interest rate and annual percentage yield (APY) are variable and may change.  The annual percentage yield (APY) assumes interest remains on deposit and is determined based on the current rate and minimum deposit required to open the account.  Withdrawal of interest will reduce earnings. 

Money Market Account

A tiered interest rate account for our customers who maintain higher balances and don't write many checks per month.  Check images are included with your statement.  You may receive up to five free photocopies and a free initial trust consultation.  The purchase fee is also waived on five personal money orders per month.

There is a $2,500 minimum deposit required to open the account and there is a maximum of 6 pre-authorized transfers per month.  The monthly service charges are $8 if your balance falls below $2,500 minimum daily or $5,000 average daily balance.* 

Interest will be compounded monthly and will be credited to your account monthly.  We use the daily balance method to calculate the interest on your account.  The daily balance method applies a daily periodic rate to the principal in the account each day.  Please ask us for our current rates or see the Deposit Rates.

*The average daily balance is determined by adding the full amount of principal in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

The annual percentage yield (APY) is based on monthly compounding.  The interest rate and annual percentage yield (APY) are variable and may change.  The annual percentage yield (APY) assumes interest remains on deposit and is determined based on the current rate and minimum deposit required to open the account.  Withdrawal of interest will reduce earnings. 

Personal Checking Accounts Comparison

ProductFree

Teen

TraditionalPremierInterestMoney Market
Minimum to Open $50 $50 $100 $100 $1,000 $2,500

Minimum Balance

(to avoid monthly service charge)

N/A N/A $300 Minimum Daily Balance or $600 Average Daily Balance* N/A $1,000 Minimum Daily Balance or $1,500 Average Daily Balance* $2,500 Minimum Daily Balance or $5,000 Average Daily Balance*

Monthly Service Charge

$0

$0

$8.00

$0 

$7.00 

 $8.00

Check/Debit Charges

$0

$0

$0.25/check or debit if more than 10/month 

 $0

$0.25/check or debit 

$0

Restrictions

None

None

None

None

None

Maximum 6 transfers and/or withdrawals per month 

Interest Bearing

 -

 -

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Check Images

 -

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*The average daily balance is determined by adding the full amount of principal in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

 

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