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Understanding checking account benefits can help you choose the account that best fits your needs. Whether you currently have a First-Lockhart National Bank account, or you're considering one, our easy-to-read FirstStar Comparison chart makes it easy to find information about our personal checking accounts.

  • We believe in giving more than just free checking. Earn 2.50% APY* and get free ATM fee refunds** nationwide.

    • 2.50% APY*
    • No minimum balance to earn rewards
    • No monthly fees
    Summary
    • 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

  • Enjoy ID Protect, Credit Score Monitoring, Cell Phone Protection and much more for a monthly maintenance fee of only $6.00 with the FirstStar Secure Checking account.

    • Family ID Protection, Cell Phone Protection & Credit Score Monitoring
    • Free e-Statements
    • OOPS! Overdraft Privilege Available
    Summary
    • Free Debit Card
    • Free Notary Service
    • IDProtect® – Identity Theft Protection Service1
    • $6.00 Monthly Maintenance Fee
    • Minimum $50 Deposit to Open
    • FDIC Insured (Up to Current Limits)
    • Free Mobile Banking
    • Free-eStatements
    • Cellular Telephone Protection2
    • Free Online Banking with Bill Pay
    • Direct Deposit Available
    • Unlimited Check Writing
    • OOPS! Overdraft Privilege
    • Paper Statements Provided for a $2.50 Per Month Fee
    • Unlimited Debit Card Activity
    • TeleStar Phone Banking
    • OOPS! Overdraft Privilege Available





  • Enjoy one of First-Lockhart's best personal checking accounts that offers club discounts and benefits that protect you and your family for a monthly service fee of $12.00.

    • Family ID Protection, Cell Phone Insurance & Credit Score Monitoring
    • Choice of e-Statements or Paper Statements
    • Free Personal and Cashier Checks
    • OOPS! Overdraft Privilege Available
    Summary
    • Free Debit Card
    • Free Notary Service
    • IDProtect® – Identity Theft Protection Service1
    • Free Cashier Checks
    • Free Money Orders
    • $12.00 Monthly Maintenance Fee
    • FDIC Insured (Up to Current Limits)
    • Free Mobile Banking
    • Choice of eStatements or Paper Statements
    • Cellular Telephone Protection2
    • Unlimited Check Writing
    • Direct Deposit Available
    • Free Online Banking with Bill Pay
    • OOPS! Overdraft Privilege
    • Minimum $50 Deposit to Open
    • Free Checks
    • Unlimited Debit Card Activity
    • TeleStar Phone Banking
    • OOPS! Overdraft Privilege Available







  • Looking for an interest bearing account with minimal rate qualifiers? Earn a variable APY* on daily collected balance with the FirstStar Interest Checking.

    • Interest Credited Monthly
    • Unlimited Check Writing
    • Choice of e-Statements or Paper Statements

    *-Annual Percentage Yield

    Summary
    • Free Debit Card
    • Free Notary Service
    • $15 Maintenance Fee if Balance Drops Below $1,500 During Month
    • TeleStar Phone Banking
    • Minimum $50 Deposit to Open
    • Free Mobile Banking
    • Choice of eStatements or Paper Statements
    • Variable APY* on Daily Collected Balance
    • Direct Deposit Available
    • Unlimited Debit Card Activity
    • Free Online Banking with Bill Pay
    • OOPS! Overdraft Privilege Available
    • Unlimited Personal Check Writing
    • FDIC Insured (Up to Current Limits)



  • If you're looking for a checking account that can handle all your basic needs without any monthly fees? This is the account for you!

    • Unlimited Debit Card Activity
    • Free e-Statements
    • 10 Free Paper Checks per Month
    Summary
    • Free Debit Card
    • Free Notary Service
    • 10 Free Paper Checks Allowed Per Month
    • $0.50 Per Paper Check Above 10 Per Month
    • No Minimum Balance
    • FDIC Insured (Up to Current Limits)
    • Free Online Banking with Bill Pay
    • Free-eStatements
    • No Monthly Fees
    • TeleStar Phone Banking
    • Free Mobile Banking
    • OOPS! Overdraft Privilege Available
    • Paper Statements Provided for a $2.50 Per Month Fee
    • Unlimited Debit Card Activity
    • Direct Deposit Available
    • Minimum $50 Deposit to Open


  • Get a high interest rate and a high return on your funds while still having access to your money.

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

    Please contact one of our Personal Bankers for rate details

  • Next time you make a mistake with your account, you'll be glad to know we've got your back with OOPS™.

    • Avoid high charges from merchants
    • Increase your peace of mind
    • Limits up to $800
    Summary
    • 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.

    More Information

    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!

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

    • 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

    More Information

    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.