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Personal

Checking Accounts

All Accounts Feature:

  • FREE Online Banking & Bill Pay
  • ACCESS FUNDS at any Star, Plus or Jeanie ATM
  • eStatements Available
Opening Deposit Minimum Balance Monthly Maintenance Fee Key Features

First Choice Banking

A simple, stress-free account that's well suited for just about anybody.

Open Account
Opening Deposit
None
Minimum Balance
$100 OR $0 with qualifying activity
Monthly Maintenance Fee
Avoid the $5 monthly maintenance fee by maintaining a $100 daily balance or doing two of the following each month: receive statements electronically with eStatements, use your debit card for at least 10 purchases(*) or receive at least one ACH credit. (1)
Key Features
  • We'll automatically waive the maintenance fee for the first two statement cycles to give you time to meet the requirements
  • When a student/young adult aged 13 to 22 years old is primary on the account, the conditions to avoid the monthly maintenance fee are waived

Personal Interest Checking

Interest-bearing personal checking with unlimited check writing.

Open Account
Opening Deposit
None
Minimum Balance
$500
Monthly Maintenance Fee
Maintain the $500 minimum daily balance or maintain $1,000 minimum daily balance in a linked Regular Savings Account or $2,500 minimum daily balance in a linked Premium Savings Account to avoid the $9.50 monthly maintenance fee. (1)
Key Features
  • Earns interest when minimum balance is maintained
  • No opening deposit required
  • Option to link to savings account for minimum balance to avoid maintenance fees

Premium Interest Checking

Earn above-average interest for maintaining a higher daily balance.

Open Account
Opening Deposit
None
Minimum Balance
$2,500
Monthly Maintenance Fee
Maintain the $2,500 minimum daily balance or maintain the $2,500 minimum daily balance in a linked Regular Savings or linked Premium Savings account to avoid the $15.00 monthly maintenance fee. (1)
Key Features
  • Earns higher interest rates based on account balance
  • Option to link to savings account for minimum balance to avoid maintenance fees

Heritage Checking Account

Free interest-bearing checking for customers age 50 and older.

Open Account
Opening Deposit
None
Minimum Balance
No monthly maintenance fees regardless of daily balance. Maintain a $500 minimum daily balance to earn interest.
Monthly Maintenance Fee
None
Key Features
  • Free check order - wallet custom style, plain or duplicate
  • $5.00 discount on all other check styles
  • 50% discount on safe deposit boxes
  • Free official checks
  • Free notary service

Money Market Select

Build savings and earn a higher-than-average interest rate.

Open Account
Opening Deposit
$1,000
Minimum Balance
$1,000
Monthly Maintenance Fee
Maintain the $1,000 minimum daily balance to avoid the $7.50 monthly maintenance fee. (1)
Key Features
  • Earns higher interest rate based on account balance
  • Debit card for ATM cash withdrawals

Personal Sweep Checking

Higher-balance checking with a rewarding rate and no transaction limits.

Open Account
Opening Deposit
$50,000
Minimum Balance
$25,000
Monthly Maintenance Fee
Maintain the $25,000 minimum daily balance in linked Premium Interest Checking account to avoid the $25.00 monthly maintenance fee. (1)
Key Features
  • Earns higher interest rate.
  • Funds exceeding target balance in checking account automatically sweeps into a higher rate of interest.
  • Linked to a Premium Interest Checking Account. 

1 Minimum daily balance is used to determine minimum account balance for the statement cycle.

*  In order to avoid the $5 monthly maintenance fee, your 10 debit card purchases must settle and post during each month.

 

Helps individuals and families save for retirement.

  • Start withdrawing funds as young as 59-1/2.
  • Traditional, Spousal, Roth and CESA accounts available.