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
- 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.
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
|Checking Account Feature||Free Checking||Rewards Checking||Student Checking|
|$0 Monthly Fee|
|$0 Bill Pay Fee|
|Free first box of 40 checks|
|ATM surcharge refund—up to $20/month|
|ATM surcharge refund—up to $10/month|
|Free, secure Online and Mobile Banking|
|Visa Debit Card|
|ezDeposit and Mobile Deposit|
|Shared Branch Network—over 5,600 branches and nearly 30,000 ATMs nationwide|