Primo Checking

A checking account that's the full package

Features & benefits

Dividends up to 

.10%

APY1,2

Unlimited Free ATM Withdrawals
We'll never charge you an ATM fee

Refunds of ATM Fees

Charged by other institutions

Tap to Pay

Add your debit card to your smartphone's digital wallet3

24/7 Online & Mobile Banking

Manage your money on the go, day or night3

Real-time Alerts & Limits

Stay up-to-date about everything happening on your account3

Open a Primo Checking Account today!

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


Learn more about the Prime Mobile App

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
Effective Date: September 21, 2022
Membership eligibility is required.
1: APY=Annual Percentage Yield. Fees may apply and reduce earnings.
2: To earn "Giving Back Perks", the member must satisfy all of the following requirements each month: 1) make twelve (12) debit card transactions, 2) log in to Prime Online or Prime Mobile at least once, 3) establish a credit or debit ACH transaction that recurs at least monthly, and 4) is enrolled in eStatements. Giving Back Perks goal achievement is processed at the end of each calendar month, at which time determination of interest rate bumps and fee refunds is completed. If all Giving Back Perks requirements are not met in a given month, Prime Checking rates apply and ATM refunds are not issued.

Open a Primo 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 is "Annual Percentage Yield". Rate(s) effective as indicated below table. Fees may apply and reduce earnings.
2: To earn "Giving Back Perks", the member must satisfy all of the following requirements each month: 1) make twelve (12) debit card transactions, 2) log in to Prime Online or Prime Mobile at least once, 3) establish a credit or debit ACH transaction that recurs at least monthly, and 4) is enrolled in eStatements. Giving Back Perks goal achievement is processed at the end of each calendar month, at which time determination of interest rate bumps and fee refunds is completed. If all Giving Back Perks requirements are not met in a given month, Prime Checking rates apply and ATM refunds are not issued.
3: Message and data rates may apply where applicable.
4: Opt-in required. Fees and additional terms & conditions may apply. Overdraft transactions are approved at Prime Financial Credit Union's sole discretion.
5: 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.