Features & benefits
Dividends up to.10%
Refunds of ATM Fees
Tap to Pay
24/7 Online & Mobile Banking
Real-time Alerts & Limits
Giving Back Perks
Primo Checking's "Giving Back Perks" means your checking account earns more for you. When you meet all the Giving Back Perks requirements each month, you'll receive:
- Higher Dividends: You'll earn .00-.10% APY1 on your entire Primo Checking balance. Unlike other financial institutions, there are no limits for earning higher dividends.
- ATM Fee Refunds: We'll never charge you an ATM fee for using your Primo Checking debit card to withdraw cash, make a deposit, or inquire about your account at an ATM. However, out-of-network ATM operators may still charge you a fee, and we'll refund those fees, up to $20 each month.
Earning Giving Back Perks is easy:
- Make 12 Debit Card Purchases (each month): Big or small, every purchase with your debit card counts toward your Giving Back Perks goal.
- Log In to Prime Online or the Prime Mobile App: 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.
- Establish a Recurring ACH Deposit or Withdrawal: Any recurring payment established with your account and routing numbers 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.
Loaded with Features, Not Fine Print
There are no fees or hidden penalties for not meeting Primo's monthly Giving Back Perks requirements. You'll still enjoy unlimited free ATM transactions for the month, and your account will earn our standard .01% APY1 checking rate.
We've Got You Covered
With Standard and Extended Overdraft Protection available, you've got options for covering your transactions if your Primo Checking is running short:
- Standard Overdraft Protection: We'll automatically transfer funds to your Primo Checking Account from another account if there are not sufficient funds to complete the transaction.4 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 Primo Checking Account balance negative, up to $1,000, to complete a transaction when you do not have sufficient funds in your Primo Checking Account and Standard Overdraft Protection is not sufficient or applicable.4 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!3,5 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.3 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 Primo 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.3
Primo Checking Dividends
|Balance||Rate2||APY1,2||Min. Required to Earn Stated APY1|
|$0 - $25,000||.10%||.00-.10%||$0|
|$25,000.01 or More||.01%||00-.01%||$25,000.01|
"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."