Premier Tunes
Earn a sign up bonus of up to $9.95 iTunes® refund, up to $6.95 in iTunes downloads and ATM fee refunds nationwide each cycle the minimum qualifications are met with this free checking account. It's easy to qualify!
Questions?
- Details
- Earn iTunes® bonus refund of up to $9.95 with initial account opening
- Earn up to $6.95 in iTunes download refunds each cycle the minimum qualifications are met*
- Fees refunded on ATMs anywhere in the nation*
- No monthly maintenance fee
- No minimum balance
- Free Visa debit card
- Free Online Banking
- Free Bill Pay
- First order of checks free
- 2 simple qualifications to receive preferred rate*
- Free ATM withdrawals at Premier Bank & Publix ATMs
- No 2:00 pm cut off time. Deposits are accepted through the close of the business day. Click here for branch hours.
- FDIC insured
* APY = Annual Percentage Yield. See "Disclosure" tab above for more details.
- Qualifications & Cycle Dates
In order to qualify for the monthly benefits, just meet these simple criteria each cycle:
1. Make 10 point-of-sale transactions using your Visa debit card, per qualification cycle.
2. Have a valid e-mail address on file and receive your monthly statement electronically.
2009 STATEMENT DROP CYCLES
Your Premier Tunes statement cycle will run from the 23rd of the month through the 22nd of the following month. If the 22nd falls on a weekend or holiday, your statement will drop on the previous business day. All Premier Tunes qualifying requirements must be fulfilled one business day before the statement drop date.
For example: November 2009
The statement cycle runs from October 23rd to November 22nd . However, the 22nd falls on a Sunday so the statement will drop on Friday, November 20th. In order for your account to qualify, all rewards must be earned by the previous business day--Thursday, November 19th.
- Disclosure
*Earn an iTunes®; bonus refund of up to $9.95 with initial account opening. Earn up to $6.95 in iTunes download refunds each cycle the minimum qualifications are met. Bonus refunds expire within 30 days; monthly refund expires each statement cycle. Monthly iTunes refunds earned in the statement cycle will be reimbursed at the end of the following statement cycle for purchases made with your Premier Tunes Visa debit card online up to the dollar amount earned and not expired. No minimum balance is required to open this account. No monthly service charge. Available for personal accounts only. Fees may reduce earnings. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, you will not receive ATM refunds or iTunes refunds for that time period. Account may be subject to 1099-MISC or 1099-INT IRS reporting. ATM refunds are conditional to qualifications being met.
To receive the iTunes download refunds and ATM fee refunds nationwide, you must perform the following qualifications each statement cycle:
1. Make 10 point of sale transactions using your Visa debit card, per qualification cycle.
2. Have a valid e-mail address on file and receive your monthly statement electronically.
REALTunes®; is a trademark of BancVue, Ltd. iTunes is a trademark of Apple, Inc. The program is not endorsed by iTunes or Apple®; nor is there is any actual or implied joint venture or partnership of any kind between Premier Bank and Apple's iTunes.
- FAQ
What is Premier Tunes checking account?
Premier Tunes works like a regular free checking account, but it earns free iTunes® downloads and nationwide ATM fee refunds when all qualifiers are met. This account also includes free Online Banking with Bill Pay, e-statements, Debit cards and first check order-all for free.
What exactly are the "Rewards" for Premier Tunes?
An iTunes® signup bonus of up to $9.95 is awarded upon opening the account or switching from another checking account. The monthly reward is an iTunes refund of up to $6.95 per statement cycle and nationwide ATM fee refunds when all qualifiers are met.
What are the 2 qualifiers that must be met to qualify*?
1. Make 10 point of sale transactions using your Visa debit card, per qualification cycle.
2. Have a valid e-mail address on file and receive your monthly statement electronically.
Please explain the qualifiers in greater detail.
• Any purchase you make at a retail location using your debit card is a point of sale transaction. Transactions may not post to your account the same day they are made or they may be posted for a partial amount until the retailer balances their transactions. Only the point of sale transactions that are fully posted to your account within your statement cycle will be included in the "10 retail point of sale transactions" qualifier.
• With this account you will not receive a paper statement. We will email you a notification informing you when your statement is ready to be viewed and printed from Premier Bank's Online Banking site.
How often must the qualifiers be met to qualify?
The qualifiers start over each statement cycle.
What is the statement cycle for this account?
Your statement cycle will run from the 23rd of the month through the 22nd of the following month. Your qualifier cycle will run from the 22nd through the 21st. The 21st of the month is the last day to meet the qualifiers. Your new statement will be available on the 23rd of the month. If the 21st falls on a weekend or holiday, you must complete your qualifiers by the preceding business day.
If I meet the qualifications, when will I receive my rewards?
ATM fees will be refunded on the last day of each statement cycle. Monthly iTunes refunds earned in the statement cycle will be reimbursed at the end of the following statement cycle for purchases made with your Premier Tunes Visa debit card online up to the dollar amount earned and not expired.
Do iTunes refunds expire?
Yes, monthly iTunes refunds expire each statement cycle. The iTunes signup bonus expires after 30 days.
How do I make my iTunes purchases?
To purchase iTunes you must use your Premier Bank Visa debit to purchase your downloads online at the iTunes store. Reimbursements will be refunded to your Premier Tunes account on the last day of your statement cycle if you have available refunds. Refunds are earned in the preceding statement cycle.
What happens if I fail to meet the qualifiers during a statement cycle?
Your ATM Fees will not be refunded, and no monthly iTunes refunds are earned; however, your Premier Tunes account will still function as a free checking account.
How do ATM refunds work?
There is no charge for using Premier Bank ATMs or Publix Presto machines. All other domestic ATM fees collected throughout the statement cycle, including Premier Bank ATM fees, will be automatically refunded if you meet the qualifiers.
How will I know if I met all of the qualifiers?
You will receive a monthly email outlining the qualifiers that you met/did not meet.
If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes.
What if my debit card does not arrive until late in the statement cycle and I don't have time to qualify, will I still get the rewards?
Yes, you will automatically receive the rewards for the first statement cycle that you have the account.
If I use my debit card at an ATM, will that transaction count towards my qualifiers?
No. Only point of sale transactions will count.
Does a debit card reversal count against/towards my qualifiers?
Yes. You need a net of 10 point of sale transactions, so a return counts against your qualifiers.
Is there a limit to the amount of ATM refunds that I can receive during a statement cycle?
No. Premier Bank will refund all ATM fees for the statement cycle as long as you meet the qualifiers.
Must I access my e-statement online in order to qualify for the rewards?
No, you must accept our e-mail notice, but you do not have to view your statement. You are responsible for contacting Premier Bank if your email address changes.
Can I access images or checks with my e-statement?
Yes, your statement and check images are available online at www.premier-bank.com. Your electronic statement will be available online for 6 months and check images will be available online for 90 days.
Is there a minimum balance in order to receive my rewards?
There is no minimum balance in order to receive rewards.
Will I be able to use my existing debit card, checks and account number with my Premier Tunes account?
Yes.
Can I open multiple Premier Tunes accounts for the same address?
Yes, however you must still meet the qualifiers for each individual account.
Can a business, Non-Profit or DBA/Sole Proprietorship use this account?
No, but Premier Bank offers several other options for businesses including our Free Business Checking.
Which IRS statements will I receive?
If the ATM fee refunds and iTunes refund add up to more than $600.00 per taxable year, it is considered as 'miscellaneous' interest for purposes of 1099-MISC reporting.
How do I check my balance?
PremierTunes offers free Online Banking giving you 24-hour access to your account information. Contact us at (850) 386-2225 or email us at info@premier-bank.com and we'll be glad to assist you.
What if I need to talk to someone at the institution?
Simply call (850) 386-2225 or email us at info@premier-bank.com and we'll provide the same great customer service you get when you visit one of our branches.
Is this too good to be true?
Not in the least! You qualify each month when you do things like: using your debit card and receiving eStatements, These activities help Premier Bank save money, which we passed along to you.
Are these accounts insured?
Yes. This account is insured by the FDIC.
