Star One overdraft coverage provides a convenient and flexible safety net.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but as a service to you, Star One can pay it anyway.
Star One recommends setting up overdraft coverage in the following order, starting with the free option:
To further help avoid overdrafting your account, set up balance notifications in Online Banking or Mobile Banking. You can also take advantage of Debit Card transaction alerts and Text Banking available in Mobile Banking.
Available balances displayed in Online Banking, via Touchtone Teller or on your monthly statement do not include overdraft and/or credit line amounts.
Government regulations require you to opt in to authorize everyday debit card transaction overdraft coverage.
|Coverage||Fee||Example of overdraft coverage on a $1,000 check|
|Savings Account||$0 per transfer**||No fee for the savings transfer to cover check|
|Credit Line Loan||Interest charge||$.23 interest charge on a $1,000 advance for 1 day*|
|Visa Credit Card(s)||Interest charge||$.24 interest charge on a $1,000 advance for 1 day**|
|Courtesy Pay Service||$15.00 per item||$15.00 for paying the item as a courtesy (no charge for the first item per calendar year, nor for overdraft items up to an accumulated negative balance of $30)|
* Rates and terms subject to change. Your APR (Annual Percentage Rate) is variable. Example is based on 8.25%.
** Rates and terms subject to change. Your APR (Annual Percentage Rate) is based on credit qualification. Example is based on 8.75% (Current Visa interest rate range is 8.75% to 12.75%).
A letter from our President—we apologize for the inconvenience you experienced when accessing the new Online and Mobile Banking systems.
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