Checking Overview

All STAR checking accounts include:

  • Unlimited check writing
  • No per-check charges
  • Overdraft protection from savings 
  • Insured by NCUA up to $250,000

With the exception of our Teen Checking Account, members must be 18 years old to open an account and are subject to Chex Systems verification. 

Account Type

Free Checking

with eStatements

Premier Checking

Teen CheckingBusiness Checking
Minimum Opening Balance $50 $2,500 $50 $50
Minimum Balance to Earn Dividend N/A $2,500 N/A N/A
Dividends Paid N/A Yes N/A N/A
Service Charge Free $15 Free Free
To Avoid Service Charge N/A $2,500 min.daily balance N/A N/A
Online Banking Free Free Free Free
Online Bill Pay*

ePlus: Free*

ePlus: Free*

ePlus: Free*

ePlus: Free*

Online Statements Free Free Free Free
Visa Debit/ATM Card Free Free Free Free
ATM Access Fees**

Free at STAR ATM*

Free at STAR ATM* Free at STAR ATM* Free at STAR ATM*
Telephone Teller Free Free Free Free
Automatic Transactions*** Available Available Available Available
Overdraft Protection from
Available Available Available Available
Mobile Banking Free# Free# Free# Free#

* To enroll in Online Bill Pay you must be enrolled in Online Banking. ePlus Bill Pay is $1.00 a month with paper statements, free with eStatements.  

**  Surcharge free use of STAR ATMs and ATMs using the Co-Op Network. ATM transactions other than Co-Op or STAR may be subject to a surcharge by the owner of the ATM and STAR will charge $2.00 per transaction. The dollar amount withdrawn daily from an ATM is limited to $310 for your protection.

*** Automatic Transactions: Includes Direct Deposit, Payroll Deduction, Automated transfers between STAR Accounts and STAR Loans.

#You will be charged access rates depending on your carrier.  Web access is needed to use Mobile Banking.  Check with your service provider for details on specific fees and charges.


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