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NORTHSTAR Reward Saver

NORTHSTAR Reward Saver

NORTHSTAR Reward Saver makes saving easy and automatic! It is an optional product that works with NORTHSTAR Reward Checking to automatically transfer the rewards you earn and the ATM surcharge refunds** into a separate account - what could be easier!


Make saving effortless and automated by choosing NORTHSTAR Reward Saver to compliment your NORTHSTAR Reward Checking earnings!

Details and Minimum Monthly Qualifications**

Summary

NORTHSTAR Reward Saver earns interest and automatically transfers funds from your NORTHSTAR Reward Checking account!


  • 0.50% APY* on amounts up to and including $10,000
  • 0.25% APY* on amounts above $10,000
  • 0.05% APY* when you DO NOT qualify
  • No minimum balance required
  • No monthly service charge
  • StarNet Online Banking
  • Unlimited check writing
  • 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 qualifications are met. Your ATM refunds are unlimited in number, and are limited to $4.99 per transaction fee. See "Monthly Qualifications" below for more details.


** Minimum Monthly Qualifications and Product Information

To receive the NORTHSTAR Reward Checking and NORTHSTAR Reward Saver rates, simply meet these everyday minimum qualifications each monthly qualification cycle in your NORTHSTAR Reward Checking account:


  • 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 met the minimum monthly qualifications to qualify. Sign up today!


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


More Information

NORTHSTAR Reward Saver Rate tiers are as follows: if the monthly qualifications are met in your NORTHSTAR Reward Checking, an interest rate of 0.50% with an APY* of 0.50% will be paid for that portion of the daily balance that is $10,000 or less. An interest rate of 0.25% APY* will be paid on the daily balances of more than $10,000. The APY* for this tier will range from 0.25% to 0.50%, depending on the balance in the account. (Example: If your daily balance is $50,000, the blended APY would be 0.30%) When monthly qualifications are not met, in your NORTHSTAR Reward Checking, the interest rate will be 0.05% on the entire balance, with an APY of 0.05%. Rates may change after the account is opened. Fees may reduce earnings. The rates are effective as of the monthly statement cycle beginning July 18, 2013. No minimum balance is required; however, you must deposit a minimum of $100 to open this account. NOTE: You must have a NORTHSTAR Reward Checking Account in order to have a companion NORTHSTAR Reward Saver Account. Each customer is only allowed one (1) NORTHSTAR Reward Checking and one (1) NORTHSTAR Reward Saver Account. There is no debit card issued with the NORTHSTAR Reward Saver product.



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