Premier Checking

Elevate your banking to a new level with enhanced benefits

With Premier Checking you automatically earn interest based on the standard rates below, but you can earn 4.00% Annual Percentage Yield (APY) on account balances from $.01 to $15,000.00 when you meet following requirements†:

    • Minimum monthly direct deposit(s) of at least $1,000
    • E-Statements
    • 10 or more debit card transactions of at least $20

Avoid a $25.00 monthly service charge when you meet one of the following:

    • Maintain a minimum daily balance of $50,000 in your Premier Checking account
    • Maintain a $50,000 combined relationship balance. To qualify for a combined relationship, accounts must have the same ownership as the Premier Checking account
    • Maintain at least $50,000 in assets6 managed by Highpoint Wealth Management

Premium Rates

Balance Tier Rate Annual Percentage Yield
$.01 - $15,000.00 3.93% 4.00%
$15,000.01+ .02% .02%

Standard Rates

Balance Tier Rate Annual Percentage Yield
$.01 - $49,999 .05% .05%
$50,000 - $99,999 .10% .10%
$100,000 - $249,999 .25% .25%
$250,000+ .60% .60%

Rate and Annual Percentage Yield (APY) effective as of 7/6/2023 and subject to change after account opening. Fees may reduce earnings.

In addition to earning interest, you also have access to the following benefits:

  • Unlimited ATM foreign fee waivers1
  • ATM surcharge refunds1
  • Free Premier Client checks or 50% off other styles
  • Free consultation with a Certified Financial Planner
  • Loan specials2
  • 2 free cashiers checks per month
  • $hopping RewardsTM (registration/activation required; available via mobile or web only)
  • Travel and leisure discounts (registration/activation required; available via mobile or web only)
  • Roadside assistance service3
  • Telehealth plan
    Access to telemedicine and teletherapy services provided by board-certified physicians and licensed mental and behavioral health professionals through an online health portal, and discounts on prescriptions and lab testing. (registration/activation required)
  • Rideshare protection3
    Up to $100,000 of accidental death and dismemberment coverage and $10,000 accident medical expense benefit if injured while traveling in a vehicle operated by a Transportation Network Company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. (Travel costs for rideshare must be paid for through the Checking Program Account)
  • Cellular telephone protection3
    Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per twelve month period and maximum of $1,000. Covers first four phones listed on a cellular telephone bill. (Cellular telephone bill must be paid using this account.)
  • IDProtect®
    Identity theft monitoring and resolution services4 for you and your joint account owners includes:

    • Identity theft expense reimbursement coverage3
      Receive up to $1,000,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud. (Coverage does not apply if identity and/or credit file monitoring is not active at the time of the identity theft event.
    • Comprehensive identity theft resolution services
      Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
    • Debit and credit card registration
      Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
    • Credit file monitoring5
      Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports. (registration/activation required)
    • Credit report and score
      Access to credit reports and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (registration/activation required)
    • Identity monitoring
      Monitoring of over 1,000 databases. (registration/activation required)
    • Online identity theft news center and valuable phone and web resources.(registration/activation required)
    • Financial Wellness 360o
      Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available online only)

  • Accidental death & dismemberment insurance3
    Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Accidental death and dismemberment insurance coverage divides equally on joint accounts and reduces by 50% at age 70.)

  • Debit Advantage®
    Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this account for coverage.)

Already a Premier Checking accountholder? Register and activate benefits here or download the Club Checking mobile app. Using the Access Code provided at account opening, simply follow the step-by-step instructions.