Offer value details
Primis describes Premium Checking as an online interest checking account with 3.70% APY, a $1 minimum opening deposit, no minimum amount required to obtain APY, no cap on interest earnings, free ATM use nationwide, early direct-deposit access when Primis is notified, and digital account tools.
Qualification requirements
The official product page and Premium disclosure list a $1 minimum opening deposit. Primis says no minimum amount is required to obtain APY, rates are variable, and fees may reduce earnings.
Fees and costs
The Premium disclosure says the minimum balance to avoid a maintenance fee is not applicable and lists no overdraft, NSF, ATM, stop-payment, incoming-wire, check-image, cashier's-check, or initial Primis-check-pack fees for the account. The separate fee schedule lists other possible charges, including $5 domestic outgoing wires and $35 international outgoing wires.
Availability
Primis says Premium Checking is only available online, can be opened from across the United States, and is not available in Puerto Rico or other U.S. territories. Account opening is subject to approval, identity verification, and official account terms.
What to verify
- The APY is variable and may change at any time.
- Customers who opened accounts before 2024-09-24 may have different rates.
- The account is online-only and Primis deposit accounts are not available in Puerto Rico or other U.S. territories.
- Fees may reduce earnings even though the account lists no monthly maintenance fee.
- Other service charges can apply, including outgoing wire fees listed in the fee schedule.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.