Free Checking

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
• Over 30,000 ATMs
  In the CO-OP Network and at 7-Eleven® stores
• 20 free 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

• Visa Debit Card
• Overdraft Coverage
• Mobile Banking (deposit checks with your smartphone camera)
• ezDeposit (use your scanner to deposit checks)
• Direct Deposit (get a loan rate discount!)
• Touchtone Teller
• Online Banking
• Shared Branch network with over 6,500 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 50 exclusive design checks
• 20 free ATM cash withdrawals per calendar month
  21st and subsequent per calendar month $1 each. Membership accounts with deposit or loan balances totaling $5000 or more during the last five days of previous calendar month have unlimited free ATM cash withdrawals)

Rewards Checking

When you upgrade to Rewards Checking, your free checking account can earn interest at 0.85% 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
Free Checking 0.25% APY
Rewards Checking 0.85% APY
$0 Bill Pay Fee
Free first box of 50 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 6,500 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 $100 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.