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Prime Alliance Bank review (2025): Market-leading interest rates on savings and CD accounts
Prime Alliance Bank product overview
Checking accounts
Prime Alliance offers both interest-bearing and non-interest-bearing checking accounts with no monthly fees or minimum balance requirements. Account holders also have access to approximately 100,000 MoneyPass® and Allpoint® ATMs.
Although the interest-bearing account pays you for keeping your money parked there, the interest isn’t substantial. It offers a tiered APY structure, with rates up to 0.2% APY for balances of $50,000 or more.
Personal savings account
If your goal is to earn interest, the personal savings account is the right account for you. It offers 4.05% APY on all balances, so you don’t need to maintain a certain balance to earn the best APY. There are no monthly fees or minimum balance requirements.
Personal money market
This account is quite similar to the personal savings account. It offers 4.05% APY with no minimum balance requirement or monthly fees. It also offers unlimited deposits and up to six withdrawals/transfers per month.
Certificates of deposit (CDs)
Prime Alliance offers a variety of CD terms, ranging from six to 60 months. The minimum deposit for all CDs is $500. These accounts let you earn a slightly higher APY than the personal savings account, which is already competitive. The highest rate is on the six-month CD, which pays 4.35% APY.
Prime Alliance Bank fees
As a customer of Prime Alliance Bank, you may be subject to certain fees. The following is a breakdown of the common fees charged by Prime Alliance Bank.
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Prime Alliance Bank pros and cons
Consider the following pros and cons of Prime Alliance Bank before joining:
Pros
Cons
Customer service and mobile banking experience
The bank’s hours are Monday through Friday, 8:30 a.m. to 5:00 p.m. Mountain Time. In addition to phone contact, the bank has a fax line, email, and a contact form on its website.
Prime Alliance has apps for both Apple and Android devices, although its apps currently have only a handful of reviews. For Apple, it has two five-star ratings with no reviews, and for Android, it has a 3.8 rating with two reviews. Despite having minimal reviews, it has many features you’d expect from a bank mobile app, such as balance information, bill pay, and mobile check deposit.
Prime Alliance Bank address and phone number
The bank’s address is:
1868 South 500 West
Woods Cross, UT 84087
The phone number is (801) 296-2200, and the fax number is (801) 296-0300.
Frequently asked questions
Is Prime Alliance Bank FDIC-insured?
Yes, Prime Alliance Bank is FDIC-insured. As its website indicates, it is backed by the full faith and credit of the U.S. government.
What is Prime Alliance Bank’s routing number?
The bank’s routing number is 124303081.
Is Prime Alliance Bank legit?
Prime Alliance Bank is a real bank that was founded in 2004. Its physical location is in Woods Cross, Utah.
Who owns Prime Alliance Bank?
Prime Alliance Bank is an independent community bank. Its CEO is Michael Ward.