Deposit Products

Checking Accounts

Compare Our Checking Options
Account Type	Charter Checking	NOW Checking
Account Description	Charter Checking is a free, basic checking account for customers looking for an account with unlimited check writing and no monthly fees.	This interest-bearing checking account is for customers who maintain a higher balance and want to earn interest on their funds.
Minimum Opening Deposit	$50.00	$300.00
Minimum Balance	No minimum balance requirement	$300.00
Service Charge	No monthly service charge	Avoid $15.00 monthly service charge if minimum balance is maintained
Interest	N/A	Rates tiered according to your daily balance*
Additional Features	Starter box of Premier Bank checks are free Unlimited Check Writing Mailed Statements and eStatements are available Online and Mobile Banking¹ Bill Pay² Debit Card³	Starter box of Premier Bank checks are free Unlimited Check Writing Mailed Statements and eStatements are available Online and Mobile Banking¹ Bill Pay² Debit Card³
	* Fees may reduce earnings. Rates may change daily. ¹ Message and data rates may apply. Not all Mobile Banking services are available on all types of mobile devices. ² Fees, limits, message and data rates may apply. Must be 18 years of age or older to have Bill Pay. ³ Fees and limits may apply.

Savings Accounts

Compare Our Savings Options
Account Type	Regular Savings	Premier Money Market
Account Description	A regular savings account is the easiest way to start saving for the future, whether it be for an emergency, vacation or teaching children the value of saving money.	The money market account is our highest-earning savings account and is suited for our customers who maintain higher balances.
Minimum Opening Deposit	$50.00	$5,000.00
Minimum Balance	$50.00	No minimum balance requirement
Service Charge	Avoid $3.00 monthly service charge if minimum balance is maintained	N/A
Interest	Rates tiered according to your daily balance*	Rates tiered according to your daily balance.
Additional Features	Mailed Statements and eStatements are available Online and Mobile Banking¹	Mailed Statements and eStatements are available Check Writing Privileges and Pre-authorized withdrawals (6 per statement cycle) Online and Mobile Banking¹
	* Fees may reduce earnings. Rates may change daily. ¹ Message and data rates may apply. Not all Mobile Banking services are available on all types of mobile devices.

Ready Reserve

Attach a demand deposit line of credit to your checking account with Ready Reserve. Ready Reserve helps avoid overdraft fees and return item charges to protect your account from accidental overdrafts or to cover short-term cash needs. Request an advance when needed or an advance will automatically happen whenever your checking account is overdrawn.

Your checking statement will include a recap of your available line, amount outstanding and payment amount.

Fees may apply. Loans subject to approval.

Certificates of Deposit

Invest your funds in a Certificate of Deposit with quality competitive rates in terms ranging from 3 months to 60 months.

Call for current rates
Minimum balance is $500.00
Rates tiered based on certificate amount

Penalties may apply for early withdrawal.

Certificates of Deposit Specials

Premier Bank may have special offers on our Certificates of Deposit. Please contact us to check our current specials.

Penalties may apply for early withdrawal.

Retirement Accounts

Compare Our Retirement Options
Account Type	IRA Variable Savings	IRA Time Deposit
Account Description	A great way to start saving for your retirement or to keep your retirement funds easily accessible.	This is an effective investment tool to prepare for your retirement years. You can be assured that your retirement savings will never decline in value.
Traditional IRA	Tax deferred	Tax deferred
Roth IRA	Tax-free distributions	Tax-free distributions
Minimum Opening Deposit	$500.00	$500.00
Minimum Balance	$500.00	$500.00
Interest	Rates are tied to the Premier Bank base lending rate. Interest compounded monthly.	Rates tiered for higher balances
Additional Details	N/A	Terms available are 7, 12, 24, 36, 48 and 60 months Penalties may apply for early withdrawal

Health Savings Account

HSAs are tax-exempt custodial accounts established exclusively for the purpose of paying qualified medical expenses for you and your family while earning a competitive interest rate.

Tax-exempt custodial accounts designed for high deductible health plans
Interest rates are tied to a tiered rate schedule
Monthly statement
Checks issued to the account holder for a nominal fee to be used for qualifying medical expenses
Check writing privileges & pre-authorized withdrawals
Shazam debit card access³
Contributions can be made at any time during the tax calendar year

³ Fees and limits may apply.

ICS and CDARS

With ICS® and CDARS®, you can access multi-million-dollar FDIC protection by working directly with just our bank.

Rest assured. Know that deposits well into the millions are eligible for FDIC insurance protection. Because deposit accounts are not subject to floating net asset values, market volatility will not negatively impact principal.
Earn interest. Put cash balances to work in demand deposit accounts, money market deposit accounts, or CDs.
Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forego the need to use repo sweeps, track collateral on an ongoing basis, and manually consolidate statements and disbursements from multiple banks.¹
Manage liquidity. Enjoy access to funds placed into demand deposit accounts and money market deposit accounts. With CD placements, select from multiple terms to meet your liquidity needs.
Support your community. Feel good knowing that the full amount of funds placed through ICS and CDARS can stay local to support lending opportunities that build a stronger community.²

¹ If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through ICS or CDARS, or a particular ICS or CDARS transaction, satisfies those restrictions.
² When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS or CDARS, our bank can use the full amount of a deposit placed through ICS or CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.