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Rewards Checking

Our high-interest checking account is also a free checking account.

This generous free checking account offers a high yield of 1.00% APY—the same as Star One's Money Market Savings Account.

It's designed for the checking account holder who wants to maximize on dividends and rewards.

  • Minimizes the need to move balances to your Savings Account to get the higher yield
  • Earns the higher yield on your Checking Account regardless of balance

Benefits of Rewards Checking

  • Refund of up to $20 per month in ATM surcharge fees
  • No monthly fee
  • Earn Money Market Savings yield: 1.00% APY (Annual Percentage Yield)
  • Free Bill Pay
  • Free box of 40 duplicate exclusive design checks per order

Star One's Checking Account comes with:

* 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!

How to get High-Interest Rewards Checking

Meet all the following criteria in any given month and your Free Checking Account is upgraded to a high-yield Rewards Checking Account during the following month:

  • Make 10 Star One debit or credit card purchases per month
  • Enroll at least one membership account where you are the primary owner in eStatements and eNotices
  • Have a minimum of $300 in monthly Direct Deposit or $5,000 in deposit or loan balances

Compare Checking Accounts

Student and Free Checking Accounts are automatically upgraded to Rewards Checking Accounts on the first day of the month for a one-month period when they qualify, based on transactions and qualifications of the prior month.
Checking Account Feature Free Checking Rewards Checking Student Checking
$0 Monthly Fee yes yes yes
Free Checking
0.10% APY
yes no yes
Rewards Checking
1.00% APY
no yes no
$0 Bill Pay Fee yes yes yes
Free first box of 40 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 5,600 branches and nearly 30,000 ATMs nationwide yes yes yes
  1. See the Checking and Savings Disclosure and the Membership and Account Agreement for more information.
  2. Minimum deposit of $25 required to open a checking account. Fees may reduce earnings.
  3. Star One utilizes ChexSystems to assess checking account activity. Go to for additional information.