Primo Checking

Get rewarded for everyday spending.

What You'll Like:

Unlimited Free ATM Withdrawals

ATM Fee Refunds

Up to $20/month with qualifying activity

Earn Higher Interest

With qualifying activity

Overdraft Protection

Fees may apply.

No Minimum Balance

No Monthly Fees

Open a Primo Checking Account today!

Everyday spending made rewarding

Primo Checking gives you more without the hassle of monthly fees or minimum balance requirements. With qualifying monthly activity, you could also earn:

  • ATM fee refunds
    No one likes ATM fees, and that's why we'll never charge you one. Plus, we'll refund surcharge fees charged by third-party ATM operators, up to $20 each month.
  • Earn higher interest
    You could earn up to 0.10% APY1 (Effective:  June 26, 2024 ).

Qualifying monthly activity

To receive ATM fee refunds and higher interest, you'll need to meet all qualifying monthly criteria:

  • Twelve (12) Debit Card Purchases (each month): Big or small, every purchase with your debit card counts toward your Giving Back Perks goal.
  • Access the Prime Mobile App or Prime Online: You'll need to log in at least once each month, but there's so much to love about online banking that we think you'll be back more frequently.
  • Direct Deposit or Recurring ACH Payments: Any recurring payment established with your account and routing number qualifies, such as a direct deposit paycheck or auto loan, home loan, or utility bill payment.
  • Enroll in eStatements: You'll be set with fast, eco-friendly statements that arrive up to 3 days faster than traditional paper statements.
Worried about meeting the monthly criteria? There are no penalty fees for not meeting the criteria, and you'll still enjoy unlimited free ATM withdrawals while earning Primo's standard interest: 0.01% APY (Effective: June 26, 2024 ).


Balance Rate APY
$0 - $25,000 0.10% 0.10%
$25,000.01 or more 0.01% 0.01%
Effective Date: June 26, 2024

Learn More about Prime Privilege

We've got you covered with overdraft protection plans when your checking account is running low, including everyday debit card and ATM transactions.2

Learn More About Mobile Wallets

Add your debit card to Apple Pay, Google Pay, or Samsung Pay, and you'll enjoy convenient payments made directly from your phone at eligible stores and online merchants.

Learn More About Free Credit Score

Unlock your free VantageScore 3.0 from Transunion with the Prime Mobile App or Prime Online. You'll also have access to your Transunion credit report, credit simulations, and estimated loan rates.

Learn More About Track Spending

Easily track your spending across all of your Prime Financial Credit Union accounts, or enhance your spending insights by syncing your accounts and credit cards from other financial institutions for a holistic overview of your financial wellbeing.

Learn More About Card Management: Alerts, Limits & Travel

Enroll your debit card with the MyCard App for iOS and Android, and we'll automatically send SMS text alerts about transactions on your debit card. Enhance your debit card experience with with easy-to-manage spending limits, travel notices, and lost & stolen card tools.

Learn How To Manage Your Account Online

We're open online 24/7, 365 days a year with the Prime Mobile App and Prime Online. Check your balances, transfer funds, pay bills, and more when it's most convenient for you.

Learn How To Deposit Checks Anywhere

Deposit checks when it's most convenient for you with the Prime Mobile App. Just snap a picture of the front and back of your next check, and you're on your way!

Open a Primo Checking Account today!

Membership eligibility is required.
1: APY: Annual Percentage Yield. If applicable, fees may reduce yield.
2: Opt-in required. Fees apply may apply. Transactions approved at Prime Financial Credit Union's sole discretion.