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NORTHSTAR Reward Checking

NORTHSTAR Reward Checking

Get a high performance checking account that keeps the momentum.


NORTHSTAR Reward Checking is a checking account that pays you back with interest and gives you ATM fee refunds* just for banking the way you probably do already.

This is an account that rewards you for banking, but doesn't ask for a minimum balance or monthly fees.

Details and Minimum Monthly Qualifications**

Summary

  • The 1.00% APY* rate is paid on amounts up to and including $10,000**
  • 0.25% APY* for amounts above $10,000**
  • If minimum monthly qualifications** are not met, you still earn 0.05% APY*
  • No minimum balance required
  • No monthly service charge
  • StarNet Online Banking
  • Unlimited check writing
  • StarCard Debit Card
  • StarEZ Bill Pay
  • Direct Deposit
  • e-Statements required
  • Mobile Banking and Telebanking

* APY = Annual Percentage Yield

Reward rates and ATM fee refunds are awarded only if minimum monthly qualifications** are met. Your ATM refunds are unlimited in number and are limited to $4.99 per transaction fee. See "Minimum Monthly Qualifications" below for more details.


Overdraft Privilege available for qualified accounts


** Minimum Monthly Qualifications and Product Information

Receive these rates , when you meet these minimum qualifications each monthly qualification cycle***:


  • Ten (10) StarCard Debit Card purchases posted and cleared to your account.
  • Have at least one (1) Direct Deposit or one (1) ACH auto debit posted and cleared to your account.
  • Log-on to StarNet Online Banking at least once per monthly qualification cycle
  • Enroll and receive electronic statements.

We'll notify you each month via email to let you know if you meet the minimum monthly qualifications** to qualify. Sign up today!


*** Minimum Monthly Qualification Cycle means a period ending one day prior to the third Wednesday of each month as of 8 PM (CST).



More Information


* If the monthly qualifications** are met, an interest rate of 1.00% with an APY*of 1.00% will be paid for that portion of the daily balance that is $10,000.00 or less. An interest rate of .25% will be paid on daily balances that are more than $10,000.00 when monthly qualifications2 are met. The APY on this tier will range from .25% to 1.00% depending on the balance in the account. Example: If your daily balance is $100,000.00 your blended APY would be .33%. When the monthly qualifications** are not met, the interest rate will be .05% on the entire balance with an APY of .05%. The rates are effective as of the monthly statement cycle beginning July 18, 2013. We may change the interest rate and APY at any time after the account is opened. No minimum balance is required; however, you must deposit a minimum of $100 to open this account. This account is available to personal accounts only, with no monthly service charge. The APY disclosed on the NORTHSTAR Reward Checking account assumes that interest earned in the NORTHSTAR Reward Checking compounds. However, by choosing to have NORTHSTAR Reward Saver linked to NORTHSTAR Reward Checking, you understand that the interest earned in your NORTHSTAR Reward Checking is automatically transferred into your NORTHSTAR Reward Saver account at the end of the statement cycle, and therefore does not remain in your NORTHSTAR Reward Checking account and does not compound. Additionally, you understand that the interest amount earned in the NORTHSTAR Reward Saver account may be less than the interest amount earned in the NORTHSTAR Reward Checking account. If you have met your qualifications for the specified monthly qualification cycle***, we will reimburse you for ATM Fees up to $4.99 per individual transaction. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. NOTE: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within the account. Fees may reduce earnings. Available to personal accounts only. Only one (1) NORTHSTAR Reward Checking and one (1) NORTHSTAR Saver Account per customer.


Qualification Dates
Monthly Qualification Cycle Completion DateMonthly Qualification Cycle Beginning Date
January 14, 2014January 15, 2014
February 18, 2014February 19, 2014
March 18, 2014March 19, 2014
April 15, 2014April 16, 2014
May 20, 2014May 21, 2014
June 17, 2014June 18, 2014
July 15, 2014July 16, 2014