Earn 4.25% APY*

You're a VIP. Roll out the red carpet and earn more on your deposits with Premier Checking. Make your money work for you without any outrageous requirements.

Now's your chance to earn CD-level interest while keeping the flexibility of a checking account.

It's easy to start earning

Take advantage of one of the best checking account rates available (online or in-person). Start earning 4.25% APY on balances up to $15,000. Open your account online in just a matter of minutes. Or, contact us and a staff member will help you set up your account.

No hoops to jump through

We love watching dog agility competitions. You don’t have to do anything like that to earn with Premier Checking.

Keep an average daily balance of $2,500 in your account to avoid the low $5.00 monthly account maintenance charge.

Are there other steps to qualify?

Meet a few, easy requirements to keep your account eligible to earn big. Set up direct deposit, sign up for eStatements and update your new debit card everywhere with online + mobile banking.

Make a min. of 15 debit card purchases per month.
Set up a direct deposit of any amount into your account.
Enroll in monthly eStatements.

Totally Free Checking vs. Premier Checking

Everyone has a unique need for their checking account. Find one that works for you and your money.

Totally Free Checking

Just your standard, everyday free checking account.

No min. monthly balance requirements

No direct deposit requirements

No debit card transaction requirements

No monthly maintenance fee

Totally Free Checking

Premier Checking

Start earning more on your checking account balance.

Earn 4.25% APY on balances up to $15,000.

No monthly maintenance fee when you keep an ADB of at least $2,500.

One of the best checking account rates online or in-person.

Open account online

Do even more with your account


Explore online + mobile banking

Did you know you can automatically set up a direct deposit in online + mobile banking? No visits to the branch. You're in control of your accounts anytime, anywhere.

Download mobile banking

Free ATMs and shared branches

Use your debit card at over 30,000 free ATMs across the country, with 250+ in the St. Louis area. Visit over 5,600 shared branch credit union locations.

Find a free ATM

Take control of your credit journey

View your credit score in online + mobile banking with no third-party apps to download. Set goals and learn how you can improve your credit score over time.

Start your credit journey

How much will you earn?

Use this interest checking account calculator to see how much you can earn. The current rate for Premier Checking is 4.25% APY.

Loan Calculator
Deposit Calculator

Format: 12m, 36m, 3y, 7y

Total Savings

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Terms and conditions

*APY=Annual Percentage Yield. Rate as of 12.1.2024 and subject to change without notice. This account is subject to a Tiered Variable Rate. Balances up to $15,000 receive APY of 4.25%; balances over $15,000 earn a rate of .08% on the portion over $15,000 resulting in 4.25% – 0.61% APY depending on balance (APY range calculated assuming a balance of $115,000). If qualifications for higher yield are not met, all balances earn .08% APY. In order to avoid a $5.00 monthly fee, you must maintain an average daily balance (ADB) of $2,500.00 in your account each month. No transaction limitations apply to this account. In order to earn the disclosed APY and be reimbursed for domestic ATM fees incurred (during each dividend period you will be reimbursed up to a total of $25.00, if qualifications are met), during each dividend period you must: (a) make 15 or more debit card transactions using your Visa Check Card (that post and clear your account as evidenced by your monthly statement); (b) consent to receive your periodic statements electronically (eStatements); and (c) make at least one direct deposit transaction into the Premier Checking account each dividend period.