Find Your Perfect Checking Account at PrimeWay

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Start with Free Checking. Upgrade Anytime.

Chase, Bank of America, and Wells Fargo checking accounts come with monthly fees.
Our free checking with eStatements doesn’t.

💰

Save $180+ Per Year

No monthly fees means more money in your pocket. That's groceries, gas, or savings for what matters.

🚫

No Minimum Balance Requirements

Your money, your way. No stress about maintaining minimums or getting hit with fees.

📅

Early Payday

Get your paycheck up to 2 days early.* Because bills don't wait, and neither should you.

🏧

55,000+ Free ATMs

More ATMs than Chase, BofA, and Wells Fargo combined. Your cash, accessible everywhere.

📱

24/7 Mobile Banking Access

Bank anytime, anywhere. Check balances, pay bills, and manage your money right from your phone.

Instant Money Transfer

Send and receive money with Zelle®. It's fast, easy, and free.

Opening your account is free. Keeping it is free. That’s our promise.

Compare PrimeWay Checking Accounts
vs. the Banks

More features. Less fees. The choice is clear.

Feature Good Checking
(FREE)
Best Checking
(2.00% APY)
Chase
Total Checking
Bank of America
SafeBalance
Capital One
360 Checking
Monthly Fee ✅ $0 ⚠️ $7* ❌ $12† ❌ $4.95 ✅ $0
Fee Waiver Requirements ✅ None ✅ 20 debit swipes ⚠️ $500 DD or $1,500 balance ⚠️ $500 balance or under 25 ✅ None
Minimum Balance ✅ $0 ✅ $0 ✅ $0 ❌ $500 ✅ $0
Early Direct Deposit ✅ Up to 2 days early* ✅ Up to 2 days early* ✅ Up to 2 days early ❌ No ✅ Up to 2 days early
Free ATM Network ✅ 55,000+ ✅ 55,000+ ⚠️ 15,000+ ⚠️ 15,000+ ✅ 70,000+
APY / Dividends ✅ 2.00% APY ❌ 0% ❌ 0% ✅ 0.10%
Round-Up Savings
Credit Score Access
Premium Benefits
  • ✅ Dark Web Monitoring¹ (ID Theft)
  • ✅ Mobile Phone Protection²
  • ✅ Telehealth³ for You & Family
  • ✅ Roadside Assistance²
  • ✅ Rideshare Protection²
  • ✅ Travel & Leisure Discounts²
  • ✅ $hopping Rewards™²
  • ✅ Free Notary Service
  • ✅ Financial Wellness 360°

* $7 monthly fee waived with 20 debit transactions. Chase monthly fee increases to $15 on August 24, 2025.
Data current as of July 2025. Rates/APY subject to change.

Start with Free Checking –
Upgrade Only If You Choose.

Start free. Stay free. Or use your debit card 20 times to earn 2.00% APY

Good Checking

100% FREE

  • No monthly fees – ever
  • No minimum balance
  • Early direct deposit
  • 55,000+ free ATMs
  • Mobile banking & Zelle®
  • Round-up savings
  • Free credit monitoring

No-fee checking account

Best Checking

2.00% APY

  • Everything in Good, plus:
  • Earn 2.00% APY on your balance
  • Mobile phone protection²
  • Roadside assistance²
  • Identity theft protection¹
  • Telehealth³ for your family
  • $hopping rewards²
  • Travel discounts²
💡 Just 20 debit swipes/month = FREE premium account

$7 monthly fee waived with 20 debit transactions

No pressure to upgrade. Stay free forever if that works for you.

What Our Members Say About Us



 

Start Your Good (FREE) Checking Today

PrimeWay – Houston’s Trusted Credit Union Since 1937

  • $0 Monthly Fees – Forever
  • $0 Minimum Balance Required
  • Get Paid Up to 2 Days Early*
  • 24/7 Mobile Banking Access
  • Send & Receive Money with Zelle®
  • Federally Insured up to $250,000
    Backed by the full faith and credit of the U.S. Government

Opening your account is free. Keeping it is free. That’s our promise.

Want Even More Benefits?

Swipe your card just 20 times per month and you can upgrade to our premium account for FREE.

  • Roadside Assistance²: Help is there when you're stuck or stranded.
  • Rideshare Protection²: Ride safely with added coverage.
  • Identity Theft Protection¹: Guard your finances and personal info.
  • Mobile Phone Protection²: Keep your device covered from damage or theft.
  • Exclusive Discounts²: Save on travel, shopping, and more — including $hopping Rewards™.
  • Telehealth³: Speak with licensed medical pros from home.

Open Your Account in 5 Minutes

Open your account today by filling out an online application , visiting one of our seven retail centers or contacting us at (713) 799-6200 .

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