High-Yield Rewards Checking Account

Start with free checking

Then...🠋

Meet 3 simple monthly requirements

Make 10 debit or credit card purchases[1] Card purchases must post within the same month as authorized to qualify for Rewards Checking eligibility the next month.
Enroll in eStatements & eNotices
Direct deposit of $300 monthly or maintain $5,000 in deposits or loans

Then...🠋

Unlock Rewards Checking

You'll love this... Earn 3.45%APY[2] Annual Percentage Yield (APY)

You'll love this... Up to $20 in ATM fees refunded, monthly

Complete the monthly requirements, and your account simply earns more.

Miss them one month? Your account stays open with our excellent standard checking features—you can qualify again the very next month.

No monthly maintenance fee
Early direct deposit[3] 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.
Mobile & online banking
33,000+ surcharge-free ATMs & Shared Branches
Free online Bill Pay
Contactless debit card & digital wallet

Your checking account should do more than hold your money. With Star One, it can help it grow.

Open an account today. You’ll love it here.

New members

Confirm your membership eligibility and submit an online application. Just add a checking account from there. Done and done.

Join Star One Now

Current members

Log into Online Banking. Choose “New Account” in the “More Options” menu to add Free Checking to your current Star One Membership.

Add Free Checking

What do I need to open a checking account?

First, you’ll need to be eligible as someone who lives, works, or attends school in our service area (see other ways you can be eligible). Second, we’ll need all the usual paperwork. We’ve laid out all the information for you.

Do you have a checking account for students?

Do you have a checking account for seniors?

Do you offer early paycheck access?

What’s the difference between Free Checking and Rewards Checking?

5-Star Rating for 25 years

Our financial strength and stability have earned us the coveted ‘Best of Bauer’ designation—an honor reserved for financial institutions that have consistently maintained Bauer’s highest 5-star rating for 25+ years.

We have interest in your interest

At Star One, you’re not just opening an account—you’re unlocking a better way to bank. With consistently low loan rates, higher savings returns, and support that actually supports, we’re here to make your financial life feel less like work.