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Personal Checking Accounts

ACCOUNT FOR YOUR LIFESTYLE

Your checking account is a frequent companion to your everyday lifestyle, from the grocery store to dinner and the occasional night out, so we created checking accounts that match your style of living.

Compare Your Options

 

Free Checking

A low-cost account for everyone.

  • $100 minimum opening deposit

  • No minimum monthly balance requirement

  • No monthly maintenance fees

 

Interest Checking

An account that earns interest while you manage your day-to-day finances.

  • $100 minimum opening  
  • Tiered and variable interest
  • Interest compounded and paid monthly on average daily balance3
  • No monthly maintenance fee if average daily balance3 remains above $500 (nominal $10 fee otherwise)

 

ePlus Checking

The ultimate checking account that rewards those who bank electronically.

  • 1.75% APYon balances up to $25,000
  • 1.75% to 1.00% APY2  on balances over $25,000
  • 0.20% APY2 on all balances when requirements are not met

Monthly qualification requirements:

  • Minimum of 10 debit card purchases (Transactions must post and settle by the last day of your statement cycle; ATM transactions not included)
  • Minimum of one (1) direct deposit, automatic payment, or bill pay must clear your account 
  • Enroll in and agree to receive Electronic Statements

 


Checking Account Comparison

  Account Description Minimum Opening Deposit Maintenance Fee Earns Interest Features
Free Checking Low-cost account for everyone. $100 None No
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements (including check images)
  • Visa® Debit Card
  • No-fee ATM access at MoneyPass® networks 
Interest Checking Account that earns interest while you manage your day-to-day finances. $500 $10 monthly maintenance fee if average daily balance3 falls below $500 Tiered Interest
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements (including check images)
  • Visa® Debit Card
  • No-fee ATM access at MoneyPass® networks
ePlus Checking Account that rewards you with premium interest2 for banking electronically when three qualifications1 are met. $100 None Tiered Interest
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements (including check images)
  • Visa® Debit Card
  • No-fee ATM access at MoneyPass® networks
  Free Checking Interest Checking ePlus Checking
Account Description Low-cost account for everyone. Account that earns interest while you manage your day-to-day finances. Account that rewards you with premium interest2 for banking electronically when three qualifications1 are met.
Minimum Opening Deposit

$100

$500

$100

Maintenance Fee None $10 monthly maintenance fee if average daily balance3 falls below $500 None
Earns Interest No Tiered Interest Tiered Interest
Features
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements (including check images)
  • Visa® Debit Card
  • No-fee ATM access at MoneyPass® networks 
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements (including check images)
  • Visa® Debit Card
  • No-fee ATM access at MoneyPass® networks
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements (including check images)
  • Visa® Debit Card
  • No-fee ATM access at MoneyPass® networks

1Qualification Requirements: 1. Minimum of 10 purchases with your BankStar debit card. (Purchases must post and settle by the last day of your statement cycle;ATM transactions not included.) 2. Minimum of one (1) direct deposit or automatic payment posts to your account (Bill Pay included.) 3. Enroll in and agree to receive Electronic Statements.

2Annual Percentage Yield (APY) is accurate as of 08/22/2022. Rates may change after the account is opened.  Average daily balance is used to calculate interest.  Fees could reduce earnings.  If all three requirements are met, balances up to $25,000 earn 1.74% interest rate and 1.75% APY;  and balances over $25,000 earn 0.75% interest rate on the portion of the balance over $25,000, resulting in 1.75% - 1.00% APY depending on the balance.  If the requirements are not met, all balances earn 0.20% interest rate and 0.20% APY. 

3The average daily balance is calculated by adding the principal balance in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

 

Contact us today to open a checking account.

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Overdraft Protection 

Accidents happen which is why we make Overdraft Protection easy.  There is no reason to deal with the hassle of bounced checks or overdraft fees when you can choose from one or both of the following options.

Transfer from another account.  If you have other accounts with us, you can authorize us to transfer the funds needed to cover your overdraft.

Line of Credit.   Ready Access is a line of credit available to cover overdrafts. This service requires you to complete a loan application and approval is based on your creditworthiness. Contact your local branch for applicable terms and conditions.

 

Make The Switch

A few simple steps can get you on your way to brighter banking.

GET STARTED