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Premier Protection Guarantee
December 19 10:12 AM
Test Account

With our Premier Protection Guarantee you will:

Have $0 liability should any unauthorized funds transfer occur without your consent provided you notify us within 60 calendar days after the bank or account statement on which the transaction first appeared and was made available to you.

This guarantee includes any overdraft fees incurred or interest lost as a result of unauthorized transactions. Eligibility is dependent on you meeting Your Responsibilities noted below. Your account must also be open, in good standing and not overdrawn at the time the fraudulent or unauthorized transaction is posted to your account. Premier Protection does not apply to offline transactions, online transactions conducted outside of or to business or other non-personal accounts. For additional information on liabilities that may apply to non-Visa transactions click here.

Your Responsibilities

Review your account or bank statements and records and report any unauthorized activity promptly. Under our guarantee, if you are a victim of any unauthorized transaction(s) you must notify Premier Bank within 60 calendar days after the account or the bank statement on which the transaction first appeared was sent or made available to you. If it is after 60 days, you may be held responsible for any losses incurred.

In the event of an error

Please notify us immediately by phone or writing:
  • If you notice errors or have questions about your electronic transfers.
  • If you think your statement or receipt is wrong.
  • If you need more information about a transfer listed on the statement or receipt

We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared. If you tell us orally, we require that you send us your complaint or question in writing within  10 business days.

The information we require is:
  1. Your name and account number (s)
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

We will determine whether an error occurred within 10 business days after receiving your written notice (5 business days if involving a Visa® point-of-sale transaction processed by Visa® or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will make provisional credit to your account within 10 business days (5 business days if involving a point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation

If we ask you to put your complaint or question in writing and we do not receive your written complaint within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will inform you of the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation, and reverse the provisional credit from your account.

You may ask for copies of the documents that we used in our investigations.

Visa Debit Cards

Visa® Debit Credit.  Additional Limits on Liability for 0.00

Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number (PIN) which are not processed by Visa.  Visa is a registered trademark of Visa International Service Association.

For additional information regarding VISA zero liability

To ensure that you are eligible for our Premier Protection Guarantee, be sure to follow these guidelines:


Use the latest personal computer anti-spyware, ant-virus, and firewall protection software to prevent theft of information from your computer.

Protect your User Name and Password. Safeguard this information and keep it to yourself. We advise you to create a password that would be hard for others to guess and do not write it down. If you knowingly share your User Name and Password with another person, we will consider any direct or indirect transaction initiated online by that person to be an authorized transaction.

Protect your card and Personal Identification Number (PIN).

Never leave your computer unattended during your online banking session and be sure to log out when you are finished. To ensure that you clear any cached copies of your online banking session always close your browser after you log out.

Never respond to email requests asking for your personal information, such as Social Security number, User Name, passwords or PINs. We will never request that information from you.

How we protect you

Whether you bank online, or in the branch we recognize your right to privacy. Premier Bank is committed to keeping your information secure and confidential. Read our Privacy Policy to learn more about how we protect you. For additional information concerning Electronic Funds Transfer.

Report Any Unauthorized Activity

To report incidents of fraud or unauthorized access to your accounts, please call 402-558-8000.

16802 Burke St
Omaha NE 68118
(402) 558-8000


Business Days: Monday-Friday

Holidays are not included.