*The Spend Account is a tiered rate account. The minimum to open an account is $25. Rate tiers are as follows: First tier applies to balances of $0.01 - $25,000 if qualifications are met during the monthly qualification cycle. Second tier applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. Third tier applies to all balances if monthly qualifications are not met. Qualifications are as follows: make at least 12 debit card purchases, log in to online banking or mobile banking and enroll in eStatements. Rates may change after the account is opened. Offer for a limited time. There is a $2 monthly fee to receive paper statements with this account. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Qualification cycle is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.View the 2023 Cycle Calendar. One PremierOne Spend account allowed per person. ATM Fee reimbursements up to $20 provided only if qualifications are met within the monthly qualification cycle.