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Star One Mobile Banking
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Free Checking

Totally free checking with no monthly fee and with free Bill Pay!

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 highlights

  • Earn 0.25% APY1
  • No monthly fee
  • Free online Bill Pay
  • Nearly 30,000 ATMs
    In the CO-OP Network and at 7-Eleven® stores
  • 20 free in-network ATM withdrawals
    From savings or checking; subsequent withdrawals only $1
  • $0 overdraft coverage fee2
    When linked to your Star One Visa card

More Free Checking features

Add a Star One Checking Account

  • Members: Log into Online Banking and add a checking account to your Star One membership (choose "Open Sub Saving/Checking/Certs" in the "Online Services" menu)

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

    Join Star One Today!

Rewards Checking

When you upgrade to Rewards Checking, your free checking account can earn interest at 0.90% APY!

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

Student Checking

For anyone age 25 or under—Student Checking includes all the Free Checking 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 will automatically be upgraded to Rewards Checking Accounts in any given month based on transactions and qualifications of the prior month.
  Free Checking Rewards Checking Student Checking
$0 Monthly Fee yes yes yes
Free Checking
0.25% APY
yes no yes
Rewards Checking
0.90% APY
no yes no
$0 Bill Pay Fee yes yes yes
Free first box of 50 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 6,500 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.
  3. These transfers will be treated as cash advances. Interest accrues from the date of the advance.