Prime Checking

An everyday checking account with the flexibility you deserve

Features & Benefits

Earn Dividends: 



First 40 Checks Free
With check purchase
2 Free ATM Withdrawals
Per Month

Tap to Pay

Add your debit card to your smartphone's digital wallet2

24/7 Online & Mobile Banking

Manage your money on the go, day or night2
Real-time Alerts & Limits
Stay up-to-date about everything happening on your account2

Open a Prime Checking Account today!

We've Got You Covered

With Standard and Extended Overdraft Protection available, you've got options for covering your transactions if your Prime Checking is running short:

  • Standard Overdraft Protection: We'll automatically transfer funds to your Prime Checking Account from another account if there are not sufficient funds to complete the transaction.3 Standard Overdraft Protection applies to checks, ACH debits, recurring debit card transactions, online Bill Pay items, and teller window transactions.
  • Prime Privilege Extended Overdraft Protection: Prime Privilege allows you to temporarily draw your Prime Checking Account balance negative, up to $1,000, to complete a transaction when you do not have sufficient funds in your Prime Checking Account and Standard Overdraft Protection is not sufficient or applicable.3 Once you've opted into Prime Privilege, there are no additional applications or credit checks, making it a convenient alternative to emergency loans, payday loans, and title loans. Prime Privilege covers the same transactions as Standard Overdraft Protection PLUS everyday debit card transactions and ATM withdrawals.

Learn more about Overdraft Protection options

Pay with a Tap of Your Phone

Add your debit card to Apple Pay®, Google Pay®, or Samsung Pay® on a compatible device and make fast, secure payments at participating retailers and restaurants, including McDonald's, Starbucks®, Best Buy®, Macy's®, Walgreens®, and more!2,4 Use your digital wallet to pay at any card terminal that displays the digital wallet or contactless payment logos.

Take Control with the PFCU MyCard App

Download the PFCU MyCard App for total control over your debit card.2 You can make real-time changes to your account, including:

  • Locking & Unlocking Your Card
  • Creating Spending Alerts
  • Creating Spending Limits
  • Submitting Travel Notices
  • Reporting Your Card Lost/Stolen

Learn more about the PFCU MyCard App

Instant Debit Cards

When you open your Prime Checking Account, we'll print your debit card for you instantly at nearly any branch so you can start using your account right away.

Snapshot Check Deposits

Deposit checks to your account using the Prime Mobile App and your smartphone's camera.2

Learn more about the Prime Mobile App

Prime Checking Dividends

Balance Rate APY1 Min. Required to Earn Stated APY1
$1,000 or more .01% .01% $1,000
Effective Date: March 15, 2023
Membership eligibility is required.
1: APY=Annual Percentage Yield. Fees may apply and reduce earnings.

Open a Prime Checking Account today!

Member Story

"The reason for my loyalty is simple... Prime has the best rates in town, the staff is always friendly, and they know me by first name."

Membership eligibility is required.
1: APY=Annual Percentage Yield. Rate(s) effective as of [Rate Effective Date from database]. Fees may apply and reduce earnings.
2: Message and data rates may apply where applicable.
3: Opt-in required. Fees and additional terms & conditions may apply. Overdraft transactions are approved at Prime Financial Credit Union's sole discretion.
4: Names of businesses, websites, apps, products, and services listed on this page are trademarks/service marks of their respective owners. Listing of these names on this page does not constitute an express or implied endorsement of or affiliation with Prime Financial Credit Union by these companies.