Check out our account highlights or click "See Details" to learn more!
Let's Compare Our Checking Accounts:
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Let's Compare Our Savings Accounts:
Regular Savings
- Earns Interest
- Six Free Withdrawals per Month2
- $4.00 Monthly Service Fee1
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Money Market
- Earns a Higher Rate of Interest
- Check Writing Privileges
- $8.00 Monthly Service Fee1
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Money Market Preferred
- Earns Premium Interest
- Check Writing Privileges
- $20.00 Monthly Service Fee1
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College Bound Savings
- Earns Interest
- No Monthly Service Fee
- Penalty-free Withdrawals1
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Club SaveAway
- Perfect Way to Save for the Holidays
- Earns Interest
- $5.00 Monthly Service Fee1
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Let's Explore Our Specialty Accounts:
STAR Health Savings Account
- Earns Competitive Interest Rate
- Convenient Account Transfer When Switching Employers
- $4.00 Monthly Service Fee1
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CDs & IRAs
- Earns Competitive Interest Rate
- Terms From 14 Days to 5 Years
- See our Rates
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Premium Checking
Best for people who want to get the most value with added safety and security.
- STAR Debit MasterCard
- Online banking, BillPay, e-Statements
- Free access to STAR mobile banking app
- IDProtect® Identity Theft Monitoring & Resolution Service1
- Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports
- Identity Monitoring – continuous monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others
- Credit Report & Score - receive new single bureau credit score with every new credit report
- Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
- Up to $10,000 Identity Theft Expense Reimbursement Coverage² - One overdraft fee forgiveness per year
- No minimum balance required
- Minimum $50 deposit required to open an account
- Credit Score Tracker2,3 & Financial Wellness 360o
- Cash Back Member Rewards4
Earn 10% cash back on your everyday purchases - such as groceries, household supplies, entertainment and more - $hopping Rewards™5
Access exclusive offers and discounts at thousands of leading online retailers - Travel & Entertainment Discounts
Get money-saving discounts from thousands of local and national business on your next fun adventure - Unlimited check writing
- $5.95 monthly service fee
- Account bears no interest
¹ ELIGIBILITY: Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
³ Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
4 Registration/activation required; additional terms and conditions may apply.
5 Registration/activation required; available via mobile or web only.
Interest Checking
Making money with your money!
- STAR Debit MasterCard
- Online banking, BillPay, e-Statements
- STAR mobile banking app
- Three ATM rebates per month
- One overdraft fee forgiveness per year
- Earns Interest
- Unlimited check writing
- Minimum $50 deposit required to open an account
1Monthly fee of $9.95 applies when you do not meet any of the following requirements:
- Maintain a minimum balance of $5,000 or an average balance of $25,000
- Maintain a STAR Bank loan relationship of $100,000 or greater (including mortgage)
- Maintain a minimum balance of $5,000 or an average balance of $25,000
- Maintain a STAR Bank loan relationship of $100,000 or greater (including mortgage)
Basic Checking
Best for people who want to keep banking simple with a variety of ways to waive the monthly service fee.
- STAR Debit MasterCard
- Online banking, BillPay, e-Statements
- STAR mobile banking app
- Two ATM rebates per month
- One overdraft fee forgiveness per year
- Unlimited check writing
- Minimum $50 deposit required to open an account
- Account bears no interest
1Monthly fee of $5.95 applies when you do not meet any of the following requirements:
- Maintain a minimum balance of $1,500 or an average balance of $5,000
- Make 5 or more debit card transactions in a month
- Maintain a consumer loan balance in excess of $25,000 (including mortgage)
- Have total deposits greater than $25,000
E-Checking
Best for people on the go who prefer paperless banking.
- STAR Debit MasterCard
- Online banking, BillPay, e-Statements
- Free access to STAR mobile banking app
- One overdraft fee forgiveness per year
- Three free paper checks per statement cycle
- No monthly service fee
- No minimum balance required
- Minimum $50 deposit required to open an account
Limited to three paper checks a month. We may move the account to Basic Checking in the event of excessive check writing.
College Bound Savings
Save for your child's education.
- Interest paid
- Combined statement
- View accounts online
- Competitive interest rate, paid annually
- No monthly service fee
- No minimum balance required
- Minimum $50 deposit required to open an account
Visit a STAR Bank location to open your account.
1Withdrawal may only be made at the age of 18 or with proof of high school graduation. Early withdrawal penalties apply
Club SaveAway
Take the stress out of the holiday season.
- Interest paid2
- Combined statement
- View accounts online
- STAR Checking account relationship required3
- All Club SaveAway accounts mature in early October4
- One account per checking relationship
- Minimum $10 deposit required to open an account
Visit a STAR Bank location to open your account.
1Monthly fee of $5.00 waived when you have a monthly auto-transfer from a STAR Bank Checking account of $10.00 or more.
2Interest rate is variable, compounded and paid monthly.
3Waived for children under the age of 18.
4Early withdrawal will result in account closure.
3Waived for children under the age of 18.
4Early withdrawal will result in account closure.
Regular Savings
Build your savings at your own pace.
- Interest paid semi-annually
- Combined statement
- View accounts online
- Minimum $50 deposit required to open an account
1Monthly fee of $4.00 applies when you do not meet any of the following requirements:
- Maintain a minimum balance of $300
- Have an active checking account with a combined statement
2Maximum of six (6) withdrawals per month; $5 fee for each additional withdrawal.
Money Market
Enjoy a higher rate of interest with easy access to your money.
- Interest paid
- Combined statement
- View accounts online
- Check writing privileges
- Maximum of six (6) withdrawals per month2
- Minimum $2,500 deposit required to open an account
1Monthly fee of $8.00 applies when you do not meet any of the following requirements:
- Maintain a minimum balance of $2,500
- Have an average daily balance of $7,500
2$15 fee for each additional withdrawal.
Money Market Preferred
This account offers you the best of both worlds - a premium interest rate and the freedom to access your funds when needed.
- Interest paid
- Combined statement
- View accounts online
- Check writing privileges
- Maximum of six (6) withdrawals per month2
- Tiered interest rates available3
- Minimum $25,000 deposit required to open an account
1Monthly fee of $20.00 applies when you do not meet any of the following requirements:
- Maintain a minimum balance of $10,000
- Maintain an average collected balance of $30,000
2$15 fee for each additional withdrawal.
3Increased interest rates for higher balances. Paid monthly.
COSMO's Kids Club
Teach your children the value of saving.
- Interest paid
- Combined statement
- View accounts online
- Fun activities for kids
- Access to funds by those authorized on the account
- No monthly service fee or set-up fee
- No minimum balance required
At the age of 13, this account will automatically transfer into a minor Regular Savings account.
College Bound Savings
Save for your child's education.
- Interest paid
- Combined statement
- View accounts online
- Competitive interest rate, paid annually
- No monthly service fee
- No minimum balance required
- Minimum $50 deposit required to open an account
Visit a STAR Bank location to open your account.
1Withdrawal may only be made at the age of 18 or with proof of high school graduation.Early withdrawal penalties apply
Club SaveAway
Take the stress out of the holiday season.
- Interest paid2
- Combined statement
- View accounts online
- STAR Checking account relationship required3
- All Club SaveAway accounts mature in early October4
- One account per checking relationship
- Minimum $10 deposit required to open an account
Visit a STAR Bank location to open your account.
1Monthly fee of $5.00 waived when you have a monthly auto-transfer from a STAR Bank Checking account of $10.00 or more.
2Interest rate is variable, compounded and paid monthly.
3Waived for children under the age of 18.
4Early withdrawal will result in account closure.
3Waived for children under the age of 18.
4Early withdrawal will result in account closure.
STAR Health Savings Account
If you have benefits through a qualified High-Deductible Health Plan (HDHP), a Health Savings Account (HSA) lets you put money aside, tax-free, for healthcare expenses. Unused funds in the HSA are carried over from year to year and continue to earn tax-free interest until you withdraw the funds.
Eligibility
To qualify for an HSA, you must:
- Be covered under a qualified High Deductible Health Plan (HDHP)
- Have no other health coverage besides an HDHP
- Not be enrolled in Medicare or Medicaid
- Not be eligible to be claimed as a dependent
If another taxpayer is entitled to claim an exemption for you, you cannot claim a deduction for an HSA contribution. This is true even if the other person does not actually claim the deduction.
HSAs are titled as individual ownership, although you may designate an authorized signer and/or beneficiary.
Eligible Expenses
Choose an HSA to pay for qualified medical expenses*:
- Medical services (including dental and vision care)
- Hospital costs
- Prescription drugs
- Long-term care insurance
- Health insurance premiums during any period of unemployment
*This is only a partial list. The Internal Revenue Code Section 2103(d) states that eligible expenses must be made for "medical care." This is defined as amounts paid for the "diagnosis, cure, mitigation, treatment or prevention of disease, or for the purpose of affecting any structure or function of the body."
For a detailed description of medical expenses eligible for payment through your HSA, please refer to publication 502 at treasury.gov .
Benefits
Advantages of a STAR Bank Health Savings Account:
- Competitive interest rate
- $4.00 monthly maintenance fee is waived when you sign up for STAR's free Online Banking
- Monthly e-mail with a direct link to your HSA online statement where you can check your contributions and distributions, and view cancelled check images.
- Free STAR Online Banking also gives you fast access to your HSA records, making it easier to prepare your taxes.
- If you change employers, your HSA moves with you.
Contributions
An HSA features many tax benefits that help you better manage medical expenses. At the same time, it can be a very attractive retirement savings option.
With an HSA, you may claim a tax deduction for contributions that you, or someone other than your employer, make to your HSA even if you do not itemize your deductions on Form 1040.
Contributions to your HSA made through payroll deductions by your employer may be excluded from your gross income, including those contributions made through a cafeteria plan.
- HSA interest earned is tax-free
- Distributions are tax-free, as long as funds are used for qualified medical expenses
Rollover Rules
- Rollovers from Archer MSAs and other HSAs are permitted. Only one rollover per year is allowed. A rollover to a new HSA must be completed within 60 days. These restrictions follow the IRA rollover rules.
- Direct trustee-to-trustee transfers of HSA funds are not subject to the rollover restrictions. Thus, multiple trustee to trustee transfers are allowed in a single year. Both trustees must agree to do the transfer and they are not required to do so.
- Individuals may make a one-time lifetime transfer from their IRA to fully fund their HSA, not to exceed the maximum allowable contribution. (IRA distribution is not taxable. HSA contribution is not deductible. Testing period applies.)
To rollover your HSA to STAR, please contact a banker to get started.
Related Resources
1$4.00 monthly maintenance fee is waived when you sign up for STAR's free Online Banking.
CDs & IRAs
A certificate of deposit (CD) is a key part of a diversified portfolio. CDs offer a predictable return in exchange for holding your deposit for a fixed time period. Our CDs can help you save for your financial goals, whether you’re looking to set aside money for a short term of 14 days or longer terms of up to five years – or anywhere in between.
Jumbo Insured CD (CDARs)
Take advantage of multi-million dollar FDIC insurance coverage with CDARS® (Certificate of Deposit Account Registry Service). With CDARS, we divide your deposits into amounts under the FDIC's dollar limit and place them into individual CDs issued by other banks in the CDARS network. You enjoy the convenience of one bank, one rate and one statement while maximizing your FDIC insurance coverage. A STAR Money Market Account is required to fund CDARS.
Individual Retirement Accounts (IRA)
It’s never too early to start planning your retirement. IRAs offer security and flexible investment options. We can help you choose the right IRA and provide the guidance and tools you need to get started.
Variable Rate IRA Savings
- Interest rate is variable and may change daily
- Deposits may be made at any time
Fixed Rate IRA CDs
- Interest rate is established at opening and fixed for the term
- Available terms range from 90 days to 5 years
**The Annual Percentage Yield for each CD will be referred to as the APY.**