Star One Credit Union
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Terms and Fees Disclosure

Except as specifically described, the following disclosures apply to all the accounts.


    The Dividend Rate and Annual Percentage Yield on your accounts are stated on the rate page. The Annual percentage Yield is the percentage rate that reflects the total of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union Board of Directors.

    Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

    Dividends will be compounded and credited as stated on the rate page. The Dividend Period for each account is also stated on the rate page. The Dividend Period begins on the first calendar day of the period and ends on the last day of the period.

    Dividends will begin to accrue on non-cash (e.g. checks) and cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are paid, you will not receive the accrued dividends.

    The minimum balance required to open each account is stated on the rate page. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. For all accounts there is a minimum daily balance requirement to earn dividends. If you do not meet these daily balance requirements, your account may not earn dividends.

    For money market savings accounts or special savings accounts you may not make more than six (6) preauthorized, automatic, telephonic, audio response, Internet or overdraft transfers to another account of yours or to a third party during any calendar month.  If you exceed the transfer limitations in any calendar month, your account may be subject to a transfer fee or be closed.

    The Rewards Checking account is a tiered rate account based upon satisfying certain qualifications. If a primary member* meets the Rewards Checking qualifications for a particular month, the Dividend Rate and Annual Percentage Yield for the following month will be the highest Dividend Rate and Annual Percentage Yield shown. If you do not meet the Rewards Checking qualifications in one month, the Dividend Rate and Annual Percentage Yield will be the lowest Dividend Rate and Annual Percentage Yield shown. Qualifying transactions must posted to the account prior to the last day of the month. Debit & credit card purchases can take up to 3 days to post and are dependent on merchant processing times

    *All membership accounts individual named the primary member must meet all qualifications.

    The qualifications for Rewards Checking enhancements include:

    • 10 debit or credit card purchases per month
    • enroll in and maintain eStatements, eNotices, eTax & eCoupons for all of your accounts and loans
    • $300 minimum monthly ACH credit transaction or $5000 in deposit or loan balances

    In addition to a higher Rewards Checking Dividend Rate and Annual Percentage Yield, the benefits include:

    • No monthly service fee
    • Free Bill Pay
    • Surcharge refund up to $20/mo per member
      Note: Qualified members who use out-of-network ATMs in the month following qualification will be rebated surcharges in the next month. Members with multiple memberships, the rebate will be posted to the checking account of the lowest numbered membership.
    • 1 box of 50 duplicate exclusive design checks per order at no charge
    • Unlimited Star One ATM withdrawals ... no charge

Checking Accounts
Monthly Service Charge:
55 Plus Club (Club benefits continue for accounts that are coded 55 Plus on or before June 30, 2000) No Charge
55-Plus Members receive up to two complimentary boxes of 120 duplicate exclusive design checks per year. (3rd and subsequent orders within one year at regular price.)  
Student Checking (age 25 and younger)
Surcharge refund up to $10/mo per member.
Monthly Service Charge
No Charge
Check Printing Charges:
Initial order of 50 duplicate exclusive design checks No Charge

One box of 50 duplicate exclusive design checks.

$ 8.12
One box of 120 duplicate exclusive design checks $ 10.28
Additional styles and designs are subject to vendor pricing
Per Check Charge No Charge
Overdraft Transfer Fee (See account limitations):
From savings in $100 increments No Charge
Amount of overdraft, if less than $100 is available and balance is sufficient to cover overdraft No Charge
Check Copy** $ 2.00 each

NOTE: Up to 2 check copies with respect to each statement cycle will be provided at no charge when the following information is supplied: check number, amount, payee, posting date and trace number (posting date and trace number are shown on the monthly statement).

Rush/Faxed Check Copy $ 5.00 each
Postdated Order (per check)
(Postdated orders must be in writing)
$ 15.00
Bill Pay No Charge
Cashier's Checks
First Check request per day No Charge
Up to 3 checks per day with account or loan relationship ≥ $5,000 or more No Charge
Each additional check(s) issued at the Teller Window $ 3.00

NOTE: No charge for checks payable to members for any amount through the Touchtone Teller or Secure Support link in Online Banking.

Stop Payment Order $ 15.00
Other Fees
Return Item Fee/Overdraft Fee (per check/ACH item)
Returned due to: insufficient funds in account, closed account, refer to maker, improper completion of check, incorrect account number, check written against deposited funds not yet collected by the Credit Union, checks paid against insufficient or uncollected funds or items/checks overdrawing account paid for by the Credit Union (Courtesy Pay).
$ 15.00
Courtesy Pay Threshold Limit No charge for $30 or Under
Foreign Check Collection Fee
(Plus any bank charges - if applicable)
$ 50.00
Domestic Check Collection Fee $ 20.00
Incoming Wire Fee No Charge
Domestic Outgoing Wire Fee $ 40.00
With account or loan relationship ≥ $5,000 $ 30.00
International Outgoing Wire Fee $ 60.00
With account or loan relationship ≥ $5,000 $ 50.00
Duplicate Statement Copy $ 3.00
Legal Response Fee (per request) $ 28.00
Account Research/Reconciliation (per hour)
(Based on 15 minute increments)
$ 28.00
Expedited Package Delivery (only available for CU business)

Subject to vendor pricing.
International Subject to vendor pricing.
Returned Deposit/Payment from member $ 15.00
Returned Deposit/Payment from non-member $ 10.00
Stop Payment Order (including ACH)
Via Branch or Call Center
Via Online Banking

$ 15.00
$ 5.00
Medallion Stamps (per person) limit of 1 free
2nd and subsequent signature $ 10.00
Travelers Checks No Charge
VISA Gift Card $ 3.95 each
Notary Fee - (per person) Limit of 1 free
2nd and subsequent notarized document $10.00
Verification of Deposits and Immigration Letters $ 5.00 each
Non-Member Check Cashing Fee $ 5.00 each
Escheat Notification - 2nd Notice $ 2.00
Escheat Notification - accounts <$25 No fee
(State Regulated)  
Invalid Address (2nd and each subsequent notice) $ 2.00

VISA Currency Conversion/Foreign Transaction Fee

No Charge

Replacement Cards

First free per year, subsequent $5.00

Coin Redemption Fees
Redemption at self-service machine combined with account or loan relationship ≥ $5,000 No Charge
Age of primary member is under 18 No Charge
Redemption at self-service machine combined account & loan balances under $5,000 15% of coin redemption total
Redemption at teller window 20% of coin redemption total*
*Fee is applicable when coin transaction equals or exceeds standard rolled coin amounts.
Electronic Funds Transfer Fees
Transactions at Star One CU owned ATM No Charge
Point of Sale Purchases

No Charge

Transactions at Non-proprietary ATM or Merchant:
Additional fees may be imposed by the machine owner or merchant. These will be assessed and disclosed at the machine or Point of Sale terminal.
ATM Cash Withdrawals:
First twenty (20) per calendar month No Charge
21st and subsequent per calendar month $ 1.00 each
On membership accounts with deposit or loan balances that total $5,000 or more during the last five days of the previous calendar month Unlimited, No Charge

No Charge

ACH Funds Transfer Fee (restrictions apply)  
Recurring ACH Transfer Set-up (incoming) No Charge
Recurring ACH Transfer Set-up (outgoing) $ 5.00
Recurring ACH Cancellation Free (within 90 days of set-up) $ 5.00
Online Banking  
ACH Online Self Service Set-up No Charge
Each Online Standard ACH Transfer (incoming) No Charge
Each Online Standard ACH Transfer (outgoing) No Charge
Each Online Express ACH Transfer (incoming) $ 5.00
Each Online Express ACH Transfer (outgoing) $ 5.00

The rules and fees appearing in this schedule are accurate and effective for Savings and Checking Accounts as stated on our Rates page. If you have any questions or require current rate information on your accounts, please call the Credit Union at (408) 543-5202 or (866) 543-5202.
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