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Primis Bank Perks Checking Account Review

Earn 50 cents cash back rewards with the Primis Bank Perks Checking Account debit card plus free monthly checking and early direct deposit.

Primis is primarily an online bank available to people across the United States but they also have 38 branch locations throughout Virginia and Maryland.

Primis Bank provides an extensive array of financial services including checking and savings accounts, mortgages, personal loans, lines of credit, credit cards, business checking and more.

However, this review will focus on Primis Bank’s impressive Perks Checking account that can be opened from anywhere in the United States.

Primis Perks Checking Account Review

Primis Bank Perks Checking account is one of the rare checking accounts with debit card cash back rewards. Earn 50 cents back on every debit card purchase (ATM transactions don't count). The Perks Checking account is ideal for customers who frequently use their debit cards for all types of purchases.

Earn cash back on debit card purchases

  • Debit card transactions (not including ATM transactions) will earn $0.50.
  • Cash rewards will be paid to your account the
    business day your statement cycle ends for any
    qualifying debit card transactions that posted
    and settled to your account by the end of the
    statement cycle.
  • If you close your account before reward payment is credited, you will receive the earned rewards.
  • At the discretion of the bank, your account may be closed and reward payment may be denied if the offering is

Get your paycheck early with direct deposit

Get paid up to 2 days early! Once the bank is notified of an upcoming direct deposit, Primis will credit your account, up to two days early.

Manage your account entirely online

The Primis banking app puts the customer in charge of managing your account, for example, you can check balances and account history, and view eStatements, transfer funds between accounts with ease, store payment information, set up reminders, and schedule payments in advance, deposit checks and customize alerts.

The Perks Checking account integrates with Zelle so customers can easily transfer money between friends and family.

Summary of Perks Checking Account Features

  • Earn 50 cents for every debit card swipe (except ATM transactions)
  • $1 minimum deposit required to open
  • Get paid up to 2 days early with direct deposit
  • No overdraft fees
  • FREE ATM* use — nationwide
  • Free checks available upon request
  • Mobile banking, mobile check deposit, bill pay and digital account management tools
  • Works with Zelle
  • Available online (comparable accounts are available if you prefer to open in-person at a branch)
  • FDIC-insured up to $250,000 per depositor, plus extended insurance available for certain accounts up to 2M
  • Customers have 24/7 access to representatives via phone at 833-477-4647.

FDIC Coverage

Deposits are insured for up to $250,000 per depositor, per account ownership category by the Deposit Insurance Corporation (FDIC). Plus, Primis Savings account customers can secure up to $2 million in FDIC protection per tax ID or social security number as long as all deposits are within the same account ownership category.


Other Banking Services Primis Bank Offers

In addition to Primis' personal checking and savings accounts, as well as CDs, customers have the opportunity to explore a variety of other products, including:

  • Primis Bank Premium Checking: Earns interest, no overdraft fees, and free ATMs nationwide.
  • Primis Novus Checking: Earns interest once a minimum $1,200 direct deposit is established, overdraft fees, and free ATMs nationwide.
  • Business checking and savings accounts: Primis offers business accounts for U.S.-based businesses who meet certain eligibility requirements.
  • Lending services: Primis customers can apply for mortgage loans, personal loans, and business loans, as well as a business line of credit or home equity line of credit (HELOC).
  • Credit cards: Primis offers a number of rewards credit cards for personal use, as well as a business credit card.
  • Extended FDIC Coverage: Primis Savings account customers with balances that exceed $250,000, can request Primis Bank secure up to $2 million in FDIC protection per tax ID or social security number as long as all deposits are within the same account ownership category.

Frequently Asked Questions

Yes. Primis is on the Zelle platform so customers can send and receive money using Zelle.

Primis Bank does not charge any ATM fees for transactions made at in-network ATMs. Fees for ATM transactions at foreign (non-Primis) ATMs will be refunded to your account the business day your statement cycle ends.


Primis is FDIC-insured, meaning that your deposits are protected up to $250,000. 


There are no monthly service fees with the Primis Perks Checking Account but as with most banks there is a standard fee structure for some services, for example,

  • $5 fee for outgoing domestic wires
  • $35 fee for international outgoing wires
  • $5 reverse wire fee

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Disclaimer: Our goal is to provide the most relevant and current information. However, the information is for informational purposes only and is not intended to be personal financial advice.

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