Current Members
Log into Online Banking. Choose “New Account” in the “More Options” menu to add Free Checking to your current Star One Membership
We were thinking of you. So we made you this checking account.
Star One’s high-yield checking account fits your real life.
Everything you expect. Plus a little extra.
Star One’s Free High-Yield Checking account offers all the must-haves: full checking and e-checking features. No monthly fee. Mobile banking. Mobile deposit. But we wouldn’t just stop there. Because we’re in it for you, not profits.
We also offer interest on your balance, a huge network of ATMs, and customer service that sometimes tips all the way from friendly into jovial.
High-yield account for your personal checking. Because you’ve got better things to do than shuffle money around
Rewards Checking
APY when you meet requirements, 0.10% APY otherwise
3.51% APY
APY (Annual Percentage Yield)
Rolling in the Rewards
All of our checking customers get Free Checking. But if you meet certain requirements in any given month, you’ll be automatically upgraded to the high-yield Rewards Checking experience the following month.
Get your upgrade by just doing what you usually do
- Make 10 purchases with your Star One debit or credit card
- Enroll at least one membership account (where you’re the primary member, in case you’re sharing) in eStatements and eNotices
- Keep a minimum of $300 in monthly Direct Deposit or $5,000 in deposit or loan balances
Rewards Checking members earn 3.51% APY (Annual Percentage Yield)—the same as our Money Market Savings. You’ll also enjoy a refund of up to $20 per month in out-of-network ATM fees.
Free Checking features for all, every day
Whether you’re in Free Checking or you’ve been bumped up to the Rewards experience, every checking account at Star One gets some pretty sweet benefits.
Highlights
- Earn 3.51% APY [1]
- No monthly fee
- Free online Bill Pay
- In the CO-OP Network and at 7-Eleven® stores
- Free in-network ATM withdrawals
- $0 overdraft coverage fee when linked to your Star One Visa card[2]
- Direct Deposit—get your paycheck up to two days early[3]
- Shared Branch network with over 5,600 branches and nearly 30,000 ATMs nationwide
- eStatements/eNotices/Tax Forms
- Free initial box of 40 exclusive design checks
Open an account today. You’ll love it here.
Opening a checking account at Star One is truly easy. Most people don’t even need to come into a branch. Just click through to an application online, and we’ll have you up and running ASAP.
New Members
Confirm your membership eligibility and submit an online application. Just add a checking account from there. Done and done
Just in case you were wondering
First, you’ll need to be eligible as someone who lives, works, or attends school in our service area (see other ways you can be eligible). Second, we’ll need all the usual paperwork. We’ve laid out all the information for you.
Yes! If you attend school in Santa Clara County or one of the eight surrounding counties, you can open a no-fee checking account with Star One. We’ll even reimburse some of your ATM fees, so you can focus on more important things.
Yes! If you qualify for an account at Star One, you’ll have access to the best checking account in the Santa Clara County. We can’t wait to see your shining face at one of our six convenient branches.
We try! If you set up a Direct Deposit, you may be able to access your paycheck up to two days earlier. 3
It’s the same account. Everyone gets Free Checking. If you complete those three requirements above in any given month, you’ll get the Rewards Checking high-interest checking account in the following month. Keep going with the requirements? You’ll keep going with Rewards.