Free Checking Account

Star One's Free Checking Account offers full checking and e-checking features, earns interest, has lower fees, and provides an extensive network of ATMs beyond what the big banks can offer.

Free Checking Account highlights

• Earn 0.10% APY1
• No monthly fee
• Free online Bill Pay
• Nearly 30,000 ATMs
  In the CO-OP Network and at 7-Eleven® stores
• Free in-network ATM withdrawals
  From savings or checking
• $0 overdraft coverage fee2
  When linked to your Star One Visa card

More Free Checking features

• Visa Debit Card
• Overdraft Coverage
• Mobile Banking (deposit checks with your smartphone camera)
• ezDeposit (use your scanner to deposit checks)
• Direct Deposit—get your paycheck up to two days early*
• Touchtone Teller
• Online Banking
• Shared Branch network with over 5,600 branches and nearly 30,000 ATMs nationwide
• eStatements/eNotices/Tax Forms
• Insured to at least $250,000 from NCUA per individual
• Free initial box of 40 exclusive design checks
  Order checks in Online Banking in the "Additional Services" menu.
• Free in-network ATM cash withdrawals

* Early access to direct deposit funds depends on the time of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Rewards Checking Accounts

When your Free Checking Account qualifies and upgrades automatically to Rewards Checking, you earn interest at 1.00% APY!

Rewards Checking also offers unlimited free ATM withdrawals (no Star One fee) and unlimited free checks.

Student Checking Accounts

For anyone age 25 or under—Student Checking includes all the Free Checking Account features, plus an ATM surcharge refund of up to $10 per month.

Link your student checking to a Star One Visa for overdraft coverage.

Easily transfer funds online to your accounts at other banks or to your student loans.

Compare Checking Accounts

Student and Free Checking Accounts are automatically upgraded to Rewards Checking Accounts on the first day of the month for a one-month period when they qualify, based on transactions and qualifications of the prior month.

Checking Account Feature	Free Checking	Rewards Checking	Student Checking
$0 Monthly Fee
Free Checking 0.10% APY
Rewards Checking 1.00% APY
$0 Bill Pay Fee
Free first box of 40 checks
Free checks
ATM surcharge refund—up to $20/month
ATM surcharge refund—up to $10/month
Free, secure Online and Mobile Banking
eStatements/eNotices/eTax/eLoan Coupons
Visa Debit Card
ezDeposit and Mobile Deposit
Touchtone Teller
Shared Branch Network—over 5,600 branches and nearly 30,000 ATMs nationwide

See the Checking and Savings Disclosure and the Membership and Account Agreement for more information.

1. Minimum deposit of $25 required to open a checking account. Fees may reduce earnings.
2. These transfers will be treated as cash advances. Interest accrues from the date of the advance.