Simply Checking

How money should be: simple.

What You'll Like:

No Minimum Balance

No Monthly Fees

No Overdrafts

No Paper Checks

No Non-sufficient Funds (NSF) Fees

Open a Simply Checking Account today!

A Bank On Checking Account

Led by the national nonprofit organization Cities for Financial Empowerment Fund, Bank On works to ensure that everyone has access to a safe and affordable banking account. Bank On encourages financial institutions to create checking accounts that protect consumers in their everyday spending.

  • No overdrafts
    Don't stress about overdraft fees. If you don't have sufficient funds, your transaction will simply be denied.
  • No paper checks
    Swipe, tap, or insert your debit card or pay bills with Bill Pay in the Prime Mobile App or Prime Online.
  • No monthly fees
    You read that right. No monthly fees - ever.


  • No non-sufficient funds (NSF) fees
    Because it doesn't make sense to charge fees when your checking account is already running low.
  • No minimum balance
    There's no minimum daily balance requirement.
  • Earn interest
    Up to 0.01% APY1 with a balance as low as $0 .

BankOn Seal

Balance Rate APY
$0 or more 0.01% 0.01%
Effective Date: May 20, 2024

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 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 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 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!

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.

Open a Simply Checking Account today!

Membership eligibility is required.
1: APY: Annual Percentage Yield. If applicable, fees may reduce yield.