Simply Checking

How money should be: simple

Built-in Peace of Mind

All the features to manage your money with peace of mind without any of the worries of unexpected fees - perfect for first-time accountholders or those looking to get reacquainted with responsible spending habits.

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: March 18, 2026

Learn More about FlexPay Plans

Break qualifying debit card purchases into smaller payments with a FlexPay Plan. With relationship-based banking, these small dollar loans review your account activity to provide offers rather than relying on credit score.2

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!

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

2: FlexPay Plans are exclusively available to Prime Financial Credit Union members aged 18 or older who have maintained a membership for at least 90 days. Eligible accounts include non-youth consumer checking accounts in good standing. Eligibility is determined by account history; inadequate or negative activity, including but not limited to insufficient deposit activity, Non-Sufficient Funds (NSF), or delinquent (DQ) status on any current or prior Prime Financial Credit Union accounts or loans, may result in disqualification. Additional terms and conditions apply. Membership eligibility required. Federally insured by NCUA.

FlexPay Plans are subject to eligibility and approval. The fixed Annual Percentage Rate (APR) for FlexPay Plans is 17.99% (Effective date: March 18, 2026 ) ; there are no credit checks or application fees. Plan amounts range from a minimum of $125.00 to a maximum of $2,500.00. Post-purchase “Split Your Payments” Plans are available for terms between 3 and 12 months. Pre-purchase “Plan Your Purchase” Plans are available for terms between 3 and 18 months. Actual term lengths vary based on Plan dollar amount. Post-purchase offers expire 60 days from the transaction post date or upon changes to account status, cashflow calculation, or Plan limits. Post-purchase Plans may not be available for specific merchant types, such as gambling or money movement services. Refunds or credits to your checking account associated with the original debit card transaction do not alter the Plan or your obligation to repay; any refunds or credits will be applied to your checking account, not the Plan. There is no penalty for paying off a Plan early. Prime Financial Credit Union reserves the right to limit the number of active Plans or the total outstanding balance owed per member under FlexPay Plans.