Bank Star Checking Accounts
Bank Star offers six different personal checking accounts that offer maximum flexibility to meet your checking needs. Compare the accounts to determine the best fit for your needs!
We invite you to visit your local Bank Star branch to learn more about available savings accounts and other products.
The ultimate in convenience! No monthly fees with electronic statements. No monthly minimum balance requirement, no per check charge. Plus, you get a free Bank Star Plus debit card, free online banking, free online bill pay, and free transactions at any Allpoint ATM nationwide!
Open your Bank Star Checking Account today!
Our most popular Club Account! You have no monthly minimum balance requirement, free debit card, free online banking, free ATM transactions at any Allpoint ATM nationwide, plus free online bill pay, one free box of personalized checks per year, accidental death insurance, and travel and merchandise discounts worth more than $300!
Bonus Banking PLUS
Step up a notch on our Club Account ladder and get additional benefits including increased coverage on insurance, discount on safe deposit box, one free box of personalized checks per year, interest on your qualified checking balance, cash rewards discounts at major retailers, and rebates on everyday purchases!
This is the perfect account for people 50 and better! You get interest on your qualified checking balance, free online bill pay, and your first order of personalized corporate image wallet-style checks free! Plus, Galaxy Club offers free ATM transactions at any Allpoint ATM nationwide, free official bank checks, free money orders, accidental death insurance benefits and discounts on travel and merchandise!
Galaxy Club PLUS
This account offers the best of Galaxy Club, but with added benefits! Galaxy Club Plus pays interest on your entire checking balance, everyday rebate rewards, discounts on drugs and diabetes testing, discount on 3 X 5 safe deposit box, higher limits on insurance, and one free box of personalized checks per year!
Money Market Deposit Amounts
- $100 to open
- Basic/Membership Fee $10.00 if balance falls below $1,500.00
- $10.00 excess debit fee (per item) if more than 6 checks per statement cycle
- Tiered Interest-bearing account at:
- $0.00–$24,999.99 = Tier 1
- $25,000.00–$99,999.99 = Tier 2
- $100,000.00 & above = Tier 3
- Interest compounded and credited monthly
- An overdraft fee may be imposed on this account
- Rates may change without notice
Bank Star Debit Card
Use your Bank Star Debit Card to get cash at ATMs nationwide—FREE! For information on the nearest AllPoint ATMs, go to http://bank-star.com/atm-locator/ and enter a zip code.
Use your Bank Star Debit Card instead of a check
Just use your Bank Star Debit Card to make purchases and the money is automatically deducted from your checking account and, since it’s a debit card, you pay no interest. No more check approvals. No more searching for IDs. No more check writing hassles. It’s a quick and easy alternative to check writing. And it’s free.
The Bank Star Debit Card is an ATM card and much more
The Bank Star Debit Card is the most convenient card to have. In addition to being a bank card, it’s also your ATM card, good at CIRRUS ATMs located in Missouri, and all over the world. Get cash, check balances, transfer funds 24 hours a day, seven days a week. Think of your Bank Star Debit Card as your ATM card and checkbook all in one!
Using your Bank Star Debit Card is easy
Simply use your Bank Star Debit Card when paying for everyday purchases like groceries, gas, or at restaurants. It’s great to use at businesses that don’t accept checks. The Bank Star Debit Card is safer and more convenient than carrying cash.
Record Keeping is simple and accurate
Every time you use your Bank Star Debit Card, you get a receipt. All your purchases and ATM transactions are then completely itemized on your monthly statement. All the detail is recorded where you used your card, the date and the purchase amount. Tracking expenses and how much you spend is easy.
Added Debit Card Protection
For added debit card protection, get enhanced security from MasterCard. To sign up, click on the link below:
Simply complete and return an application or visit any location to apply for your Bank Star Debit Card. When approved, you will receive your Bank Star Debit Card by mail. Your PIN (Personal Identification Number) will arrive in the mail separately a few days later. You may use the PIN that has been assigned to your account or come by the bank and select a PIN to start using your Bank Star Debit Card immediately.
What You Need to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a paid transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
We have standard overdraft practices that come with your account.
We also offer overdraft protection plans, such as a link to another deposit account, which may be a less expensive option than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
- Check and other transactions made using your checking account number
- Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
- ATM transactions
- Everyday debit card transactions
We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction that results in an overdraft.
If we do not authorize an overdraft, your transactions will be declined.
What fees will be charged if Bank Star pays my overdraft?
Under our standard overdraft practices, any transaction that results in an overdraft of $5.01 or more will result in a charge of up to $29.75 per item. There is a limit of 6 items per account per day on which fees will be charged for overdraft.
What if I want Bank Star to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want Bank Star to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form or call Bank Star: 636-257-2265