• 2.50% APY* on balances up to $15,000
• 0.50% APY* on the portion of the balance above $15,000
• 0.05% APY* if qualifications aren't met
• ATM fee refunds nationwide**
• No minimum balance or monthly fees to earn rewards
• Unlimited check writing
• Free Online Banking with Bill Pay
• Free e-Statements
• TeleStar Phone Banking
• Direct deposit available
• OOPS!™ Overdraft Privilege available
• FDIC insured (up to current limits)
• Minimum $50 deposit to open

Qualifications

In order to receive the maximum interest rate and ATM fee refunds, simply do the following each monthly qualification cycle:

• Have 10 debit card purchases (not ATM transactions) post and clear the account
• Have at least 1 recurring direct deposit or ACH auto debit post and clear the account
• Enroll and receive free paperless eStatements

• No minimum balance
• No monthly fees
• Unlimited check writing
• Free first order of personalized checks
• Free Online Banking
• Free e-Statements
• TeleStar Phone Banking
• Direct deposit available
• OOPS!™ Overdraft Privilege available
• FDIC insured (up to current limits)
• Minimum $50 deposit to open
• Bill Pay Available

• Tiered interest rates
• Interest compounded daily and credited monthly
• 6 transfers per month
• $10 per item thereafter
• Free Online Banking
• Free e-Statements
• FDIC insured (up to current limits)
• Minimum $2,500 deposit to open

Check our interest rates here.

• Avoid high returned check charges from merchants
• Increase your peace of mind
• Avoid the embarrassment and inconvenience of denied purchases and dishonored checks
• Limits up to $1500
• No need to apply
• Opt-In for ATM & everyday Debit Card Transactions
• Subject to credit approval
• No cost if service isn't used

Payment of your occasional and inadvertent overdrafts up to your assigned OOPS!™ limit of $800 to $1500 will normally be considered. These limits include our customary fee as further set forth. Our fees will be added to any outstanding overdrafts you may have and will be applied against your limit.

The account types that are eligible for OOPS!™ are: Rewards Checking; Free Checking; First Star Club Checking; and Small Business Checking.

OOPS!™ is available for ATM Cash Withdrawals; Debit Card Purchases; Internet Banking and Bill Payment; Telephone Banking Transactions; and other electronic means.

We may approve certain transactions that overdraw your account. An overdraft fee of $30.00 may be charged for each transaction that overdraws your account. In addition, we will charge your account a $5.00 per day "daily overdraft fee." Typically, we will charge this "daily overdraft fee" for the second and each subsequent consecutive business day your account is overdrawn and continues to have a negative (overdraft) balance.

The categories or types of transactions that may overdraw your account include payments, purchases, and transfers of funds.

Whether your overdrafts will be paid or not is at our sole discretion and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. We reserve the right to require you to repay your overdrafts immediately or on demand.

Participation in OOPS! is not mandatory. You may opt-out of the service any time by notifying one of our service representatives. Furthermore, you may revoke your affirmative consent to have ATM & everyday debit card transactions considered for payment under OOPS! without removing other items from the service. Simply inform us of your preference.

As noted above, we retain full discretion to decline to pay any item under the OOPS! Program. That means we can refuse to pay any overdraft for any reason. Even if we decide to pay an overdraft item, absent an agreement to the contrary, such payment does not create any duty to any future overdrafts. If we do not authorize and pay an overdraft, your transaction will be declined and we may assess NSF fees on your account in accordance with your account agreement and the fee schedule in effect at the time of overdraft.

• Avoid the embarrassment of having your card denied

• Get OOPS!™ Overdraft Privileges on all purchases

• Opt In / Out for everyday Debit Card & ATM overdraft privileges

What are overdraft privileges? They mean, for a fee, we'll pay for debit card purchases and ATM overdrafts when there's not enough money in your account to cover them. The fee can apply to each time you overdraw your account. For each overdraft we pay, we will charge the standard per item authorized overdraft charge set worth in our fee schedule, currently $30. In addition, if your account is overdrawn for 2 or more consecutive business days, we charge an additional $5.00 per business day as long as your account remains overdrawn.

To have all your Overdraft Privileges or to revoke your Overdraft Privileges OPT IN / OUT.