Premier Checking
Premier Checking
We believe hard work and dedication should be recognized. That’s why we’ve designed Premier Checking – a premium account packed with premium benefits to reward you for your complete banking relationship with us.
Our Premium Checking Account With Exclusive Benefits
As a Premier client, you will enjoy premium interest rates1, a personal financial advisor2, exclusive discounts, waived fees3 and access to our Investment Sweep4.
See the Simple Guide to Premier Checking.
Premier Features
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A Financial Plan Tailored for You
We’ve partnered with BOK Financial Advisors (BOKFA)2 to provide exclusive services as part of your Premier Checking relationship including a complimentary financial plan valued at over $300, access to Investment Sweep4, one-click access to your linked Premier Checking accounts and BOKFA investment accounts, and discounted online trades5.
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No Fees on Extensive Services
There is no monthly service fee for Premier Checking when qualifying conditions are met. Pay no fees for a Personal Savings account, stop payments, wires and more. And get free standard checks or 50% off other styles. Plus, you will receive unlimited ATM fee rebates6 at all ATMs outside our network.
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Earn Premium Interest Rates7
Your Premier Checking relationship will allow you to earn a 0.05% higher interest rate for your Premier Money Market accounts. Plus, you can expect an extra 0.10% in earnings on new CDs and select FDIC insured IRAs.
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Pay Less for Loans
As a Premier Checking account owner, in addition to the 0.25% auto debit discount, you can also take an additional 0.10% off on qualifying loans8. But your relationship perks don’t end there, because you can also expect to pay $500 less on mortgage origination fees9.
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Bank with Convenience
With Premier Checking, you'll have access to free ATMs nationwide, or you can bank on the go with Online or Mobile Access. If you have any questions, an ExpressBanker is available by phone during very flexible hours.
Enjoy These Perks with Your Account
Premier Checking features exclusive bonuses to reward you for your extended banking relationship with us, and comes packed with premium discounts and enhancements. How you shop, spend, budget, save, pay bills or send money should be up to you. After all, it’s your money. We’re just here to make it a little easier for you.
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Deposit checks, set account alerts, transfer funds, pay bills, send and receive money between friends with Zelle®, access your account statements, manage your debit and credit cards, and even your mortgage and personal loans all from our mobile app. Schedule an appointment to speak with a banker, or use our 24-hour automated ExpressBank to manage your account.
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Send and receive money between friends and family with Zelle®, pay bills securely online or through our mobile app, make external transfers to your account at another bank, and transfer funds between your accounts with us. Use Apple Pay10 and Samsung Pay11 to easily and securely pay in-store, in-app, or online.
Note: Keep your money safe! Only send money to those you know with Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Think of Zelle® like cash: once you send a payment it cannot be canceled if the recipient is already enrolled. A U.S. checking or savings account required to use Zelle®. Safety Reminder: Bank of Albuquerque will never ask for your personal information regarding your money. A U.S. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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Easily find our banking centers and ATMs near you. You can use Bank of Albuquerque ATMs to deposit checks, transfer funds, check your balances and more. Plus get free access to more than 32,000 additional no-fee ATMs nationwide.
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Get free overdraft protection transfers12 from your linked savings, money market account or personal line of credit. Visa's Zero Liability13 covers unauthorized charges on your debit card when promptly reported. Use Digital Access to instantly block and unblock your debit card if lost or stolen, and set up account alerts to stay in the know on your account activity.
More about Premier Checking
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- Personal Savings monthly service fee waived when linked to a Premier Checking account.
- 0.05% higher interest rate for Premier Money Market accounts
- 0.10% interest rate bonus on CDs and select FDIC insured IRAs
- 0.10% discount on qualifying personal loans with auto debit
- $500 off mortgage loan closing costs
- $14.95 for online trades through BOK Financial Securities
- Free standard checks or 50% off premium styles
- Unlimited ATM fee rebates when using non-Bank of Albuquerque ATMs
- Free incoming and outgoing domestic wires
- Free overdraft protection12
- Free stop payments
- Free official checks
- Free Online and Mobile Access and bill pay
- QuickSaveSM
- Free Visa® debit card and free rush debit card replacement
- A low $50 opening deposit required
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For each statement cycle that one of the following requirements of average daily balances are met, you’ll avoid the $25 monthly service fee:
- $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs)
- or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% credit balances (mortgage, HELOC, PLOC, auto loan & personal loan – excludes small business loans). Accounts are not automatically linked. Please notify your banker which accounts should be linked.
We will waive the monthly service fee for the first two statement cycles after opening the Premier Checking account to allow you to meet the requirements and avoid the monthly service fee.
If you refinance your linked mortgage account with another lender, we will un-link your original mortgage from your Premier Checking account, and it will no longer count toward your Premier qualifying balances.
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1 Bonus interest rate is not automatically applied and must be requested. Accounts are not automatically linked. Please notify your banker which accounts should be linked. If the Premier Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the linked account will be discontinued and the interest rate provided by the terms of the agreement(s) governing the savings account, CD, or select FDIC insured IRA will become applicable. Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of noncash items, such as checks. Unless stated otherwise, we use the daily balance method to calculate interest on your account. The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for interest rate information. For additional information, refer to the Summary of Fees and Definitions and the Agreements and Disclosures.
2 Securities, insurance and advisory services offered through BOK Financial Securities, Inc., member FINRA/SIPC and a subsidiary of BOK Financial Corporation. Services may be offered under our trade name, BOK Financial Advisors. NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE
3 For each statement cycle that one of the following requirements of average daily balances are met, you'll avoid the $25 monthly service fee:
- $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs)
- or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial Advisors – excluding 529s and managed trusts) and 10% credit balances (mortgage, HELOC, PLOC, auto loan & personal loan – excludes small business loans). Accounts are not automatically linked. Please notify your banker which accounts should be linked.
4 Enrollment in Investment Sweep requires ownership of an eligible Bank of Albuquerque checking account and a BOK Financial Advisors Money Market fund. You may elect and we will provide Investment Sweep Services for making investments which will consist of periodic transfers of funds into or from a Deposit Account specified by you. Specifically, we can provide sweep services for a given Deposit Account that will make an investment of your swept funds into and from an Account of any of the available mutual funds provided by us as indicated by you during the Setup Process (or otherwise by written instructions).
5 Discounted online flat rate commissions as follows: $14.95 per equity trade when your BOK Financial Advisors (BOKFA) investment account is linked to your Premier, Diamond, Diamond Advantage or Private Label Checking account and the trade is entered on-line through NetXInvestor®. Unlimited $14.95 trades can be applied to commissions trading of stocks, excluding penny stocks. Each trade will be treated as a separate transaction unless multiple transactions are needed to fill one order. If the eligible checking account is terminated, the commission discount for equity trades will discontinue and revert to the current applicable commission rate. Other fees and commissions apply to a BOKFA investment account; please consult your BOKFA financial advisor for more information. Schedule subject to change at any time. NetXInvestor® available through Pershing LLC, a leader in clearing, settlement and custody services. Pershing LLC, member FINRA, NYSE, SIPC, is a wholly owned subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Trademark(s) belong to their respective owners.
6 You will be reimbursed for surcharges imposed by non-BOKF ATM owners when withdrawing money from your Premier Checking account.
7 If the Premier Checking account is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank's then current applicable rate or fee.
8 All loans are subject to credit approval. To qualify for a Premier relationship discount, you are required to maintain a qualifying Premier Checking account. Premier loan discounts do not apply to all loan products and are applicable for new loans only. Discount applies to the interest rate at the time of application.
9 Subject to closing of a residential purchase money or refinance mortgage loan with us. Discount will be provided in the form of a lender credit.
10 Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
11 Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.
12 If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked savings, money market account or personal line of credit with us into your checking account at the end of any business day on which your Available Balance is less than zero. Limited to one linked savings or money market account or personal line of credit as a source of funding. Accounts are not automatically linked. Please notify your banker which account should be linked. To the extent the funds in your designated funding account are insufficient to cover all overdrafts in your checking account, an Overdraft Fee may be charged for each overdraft not covered by the transfer, under the terms of the Depository Agreement for Transaction Accounts. See Summary of Fees and Definitions for pricing.
13 Visa's Zero Liability Policy does not apply to ATM transactions or to PIN Transactions not processed by Visa. U.S. issued cards only. See terms and conditions for Visa Debit Card.
Ready to Get Started?
Safely and securely open a Premier Checking account online or by phone at 855-202-8732.
See the Summary of Fees and Definitions and Agreements and Disclosures.