Life-Stage Checking

Accounts designed for where you are in life – and how you want to bank.

We go above and beyond to help you bank better. That’s why we’re now offering four different checking accounts:

Compare checking accounts

Accounts designed for where you are in life – and how you want to bank.

We go above and beyond to help you bank better. That’s why we’re now offering four different checking accounts:

Compare checking accounts

Starter Checking

  • Ideal account for anyone – but a favorite of students
  • Reduced risk of overdraft
  • Helps with basic transactions
  • Checkless banking

Smart Checking

  • Simple checking – plus all the account features you expect
  • No minimum balance
  • Just essentials

Pro Checking

  • Our highest tier account – best for members who like extra benefits
  • Balance earns interest
  • Additional perks, like one free box of checks

Gold Checking

  • Traditional account with added features – only for members 55+
  • Fee waived on cashier’s/official checks
  • One free box of checks

Compare Checking Account Benefits

Account Benefits

Starter Checking

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Smart Checking

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Pro Checking

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Gold Checking

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Monthly Service Fee $4.95/Mo.* N/A $9.95/Mo.** N/A
Minimum to Open $25.00 $25.00 $25.00 $25.00
Balance Earns Interest      
No Minimum Balance Requirement
Free Online & Mobile Banking
Digital Wallet
Free Visa Debit Card
Free Bill Pay  
Mobile Deposit
Free Overdraft Transfers
Overdraft Protection (Courtesy Pay/LOC)   *** *** ***
Credit Score Monitoring
1 Free Box PMCU Standard Checks    
Fee Waived on Cashier’s/Official Checks    
Access to over 30,000 surcharge free ATMs
Free Paper Statements    

Compare Checking Account Benefits

Monthly Service Fee $4.95/Mo.*
Minimum to Open $25.00
Balance Earns Interest  
No Minimum Balance Requirement
Free Online & Mobile Banking
Digital Wallet
Free Visa Debit Card
Free Bill Pay  
Mobile Deposit
Free Overdraft Transfers
Overdraft Protection (Courtesy Pay/LOC)  
Credit Score Monitoring
1 Free Box PMCU Standard Checks  
Fee Waived on Cashier’s/Official Checks  
Access to over 30,000 surcharge free ATMs
Free Paper Statements  

Learn more

Monthly Service Fee N/A
Minimum to Open $25.00
Balance Earns Interest  
No Minimum Balance Requirement
Free Online & Mobile Banking
Digital Wallet
Free Visa Debit Card
Free Bill Pay
Mobile Deposit
Free Overdraft Transfers
Overdraft Protection (Courtesy Pay/LOC) ***
Credit Score Monitoring
1 Free Box PMCU Standard Checks  
Fee Waived on Cashier’s/Official Checks  
Access to over 30,000 surcharge free ATMs
Free Paper Statements  

Learn more

Monthly Service Fee $9.95/Mo.**
Minimum to Open $25.00
Balance Earns Interest
No Minimum Balance Requirement
Free Online & Mobile Banking
Digital Wallet
Free Visa Debit Card
Free Bill Pay
Mobile Deposit
Free Overdraft Transfers
Overdraft Protection (Courtesy Pay/LOC) ***
Credit Score Monitoring
1 Free Box PMCU Standard Checks
Fee Waived on Cashier’s/Official Checks  ✔
Access to over 30,000 surcharge free ATMs
Free Paper Statements

Learn more

Monthly Service Fee N/A
Minimum to Open $25.00
Balance Earns Interest
No Minimum Balance Requirement
Free Online & Mobile Banking
Digital Wallet
Free Visa Debit Card
Free Bill Pay
Mobile Deposit
Free Overdraft Transfers
Overdraft Protection (Courtesy Pay/LOC) ***
Credit Score Monitoring
1 Free Box PMCU Standard Checks
Fee Waived on Cashier’s/Official Checks
Access to over 30,000 surcharge free ATMs
Free Paper Statements

Learn more

VISA Debit/Check Card

Get cash or make purchases around the world with a Premier Members Visa Debit/Check card. With access to a nationwide network of surcharge-free ATMs you’ll save money with our debit cards. Debit cards include:

  • Chip technology, adding an additional layer of security to your card at the point of purchase
  • Tap and go technology for a contactless experience where tap and go is accepted
  • The ability to add your card to your digital wallets such as Apple Pay and Android Pay

Traveling domestically or overseas?

Notify us with your travel plans to help ensure that your debit/atm or credit card will not be flagged for unusual activity. Please call Premier Members CU at 303.657.7000 to confirm your domestic or overseas travel information in order to prevent any possible VISA security issues.

Primary member must be age 55+ to qualify.

*There is a $4.95 Monthly Service Fee. Monthly fee is waived with Direct Deposit of $250/month OR no monthly fee if the primary member is under the age of 25. If requirements are not met, the fee will be assessed by the 6th of the following month. New and converted accounts will not be charged a Monthly Service Fee for sixty (60) days. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable). When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee. A deposit of $25.00 is required to open.

**There is a $9.95 Monthly Service Fee. Monthly fee is waived with $25,000 in total balances including deposits and loans AND Direct Deposit of $500/month. Qualifying deposit and loan products include Checking accounts, Savings accounts, CDs, Money Market Accounts, Auto Loans, Credit Card Loans, Signature Loans, Home Equity Loans and Mortgages serviced by PMCU. If requirements are not met, the fee will be assessed by the 6th of the following month. New and converted accounts will not be charged a Monthly Service Fee for sixty (60) days. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable). If primary or joint on a separate account, those balances on qualified products will be considered for the balance requirement; balances are aggregate across all products for which you are primary or joint on (a co-signer on a loan would not be eligible). This account is eligible to earn dividends-view rates. APY=Annual Percentage Yield. Rates are subject to change at any time without notice. A deposit of $25.00 is required to open.

***Overdraft/Courtesy Pay: An overdraft occurs when the available balance of funds in the account you have with us is inadequate to cover a check or electronic transaction (such as with your debit card or through an ATM), but we elect to pay it anyway. A $32.00 fee will be assessed each time an item is paid when there are no funds in an account. A maximum of five (5) fees will be assessed each day. Whether your account has enough money to cover a transaction is determined during our nightly processing. During our nightly processing, we take your previous end of day’s balance and post credits. If there are any deposits not yet available for use or holds (such as a garnishment), these will reduce the account balance used to pay your transactions. Then we subtract any debit transactions presented during our nightly processing. The available balance shown to you during the day may not be the same amount used to pay your transactions as some transactions may not be displayed to you before nightly processing. We have a Standard Overdraft Practice that comes with PMCU checking accounts. We also offer Overdraft Protection and PMCU Debit Card Coverage, which are optional services that can help pay overdrafts when they occur. Please contact us if you would like to discuss your options. Special accounts such as Minor accounts, UTMAs, Estates, Trusts, Conservatorships, Guardianships, Rep Payee and Memorial accounts are not eligible for courtesy pay.