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Personal Checking

Compare Accounts. Pick Your Perk.

Choose cash back or a competitive interest rate. Either way, you'll get a checking account designed to help you keep more of your money.

Two Great Accounts. One Tough Decision.

The good news? There isn't a wrong answer. Compare your options and choose the one that's right for you.

Primis Perks Primis Premium The Other Guys
Which Account Is Right For You
Best if you want cash back
Best if you want to earn interest
X
What You Earn
1.00% cash back on everyday debit card purchases
3.70% annual percentage yield (APY*)
Avg. 0.07% APY¹
ATM Fees
Free ATM access, nationwide. We refund fees at the end of each statement cycle.
Free ATM access, nationwide. We refund fees at the end of each statement cycle.
Avg. $4.77 per out-of-network ATM transaction²
Overdraft Fees
None
None
Avg. $27.08 per occurrence³
Monthly Maintenance Fee
None
None
Avg. $5.47 per month⁵
Minimum To Open
$1
$1
Typically $25-100⁴
Credit Monitoring
Included
Included
Often available only through third-party services
Open An Account
Open An Account

Why People Choose Primis Checking

  • Earn More

    • Choose 1.00% cash back on everyday debit card purchases or a 3.70% APY*
    • Early direct deposit
    • No confusing tiers

  • Keep More

    • No maintenance fees
    • No overdraft fees
    • Free ATM access, nationwide.
      We refund fees at the end of each statement cycle.

  • Peace of Mind

    • FDIC insured
    • Credit monitoring tools
    • 24/7 care from real people

Whenever You Need Us

Real People. 24/7.

Our Customer Care Center never closes. When you call, you'll reach a real Primis employee right here in the U.S.—day or night.

Contact Us

Since You’re Already Here….

  • Next Stop: Savings

    Don’t stop with checking. Your checking account handles everyday spending. Your savings account should help you prepare for what's next. Earn a competitive 3.85% APY* with Primis Savings.

    See More

  • Home Starts Here

    Your finanical goals don’t stop with checking. When you’re ready to buy, build or refinance, Primis Mortage is here to help.

    Primis Mortgage

  • Banking Like It Should Be

    Curious why we call ourselves Primis? Our name comes from the Latin word for "first." It's a reminder to put people first, challenge the status quo, and build a better banking experience.

    What's In A Name

The Nitty Gritty:

*APY = Annual Percentage Yield. Deposit accounts can be opened with just $1. Rates shown are accurate as of July 20, 2026, and may change. Fees could reduce earnings. These accounts are only available online. Primis deposit accounts are not available in Puerto Rico or other US territories.

Account Comparison Sources:

1. Interest Rates
FDIC National Deposit Rates & Rate Caps (May 2026)

2. ATM Fees 
Bankrate Checking Account & ATM Fee Study

3. Overdraft Fees
Bankrate Overdraft Fee Study

4. Maintenance Fees
Bankrate Checking Account Fee Survey

5. Opening Deposit Requirements
Consumer Financial Protection Bureau (CFPB) Consumers Guide to Managing Money.