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Free Checking Account

Bank with a free checking account and no monthly fee at Star One Credit Union—and even earn interest!

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

* 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.

Open a Free Checking Account Online

  • Members: Log into Online Banking and add a checking account to your Star One membership (choose "Open New Account" in the "Additional Services" menu)

  • Non-members: Join and add a checking account while signing up

    Join Star One Today!

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 yes yes yes
Free Checking
0.10% APY
yes no yes
Rewards Checking
1.00% APY
no yes no
$0 Bill Pay Fee yes yes yes
Free first box of 40 checks yes yes yes
Free checks no yes no
ATM surcharge refund—up to $20/month no yes no
ATM surcharge refund—up to $10/month no no yes
Free, secure Online and Mobile Banking yes yes yes
eStatements/eNotices/eTax/eLoan Coupons yes yes yes
Visa Debit Card yes yes yes
ezDeposit and Mobile Deposit yes yes yes
Touchtone Teller yes yes yes
Shared Branch Network—over 5,600 branches and nearly 30,000 ATMs nationwide yes yes yes

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.