Personal Checking


At Five Star,  your checking is always FREE. Plus, every account comes with a free debit card that has chip technology as well as tap to pay. These are the most secure cards available. Plus, they are issued right in the branch for you to begin using right away.

We have three checking account options. If you are over 50, you can get a few perks and interest on your account. If you carry a high balance, Your Five Star Checking is the best option. With a balance of $1,500 or more, you earn .25% APY* on a share certificate. If the balance falls below $1,500, you will incur a $10 fee.

As an added bonus, with an active checking, 10 debit/credit transactions per month, you will receive a .125% APY bump on your savings account.

Open Your Account

Five Star Advice
Tell a friend about Five Star and you can get a $10 deposit. Pick up a Tell A Friend coupon in your local branch or refer them online. Your $10 is deposited once they open a checking account.

Opening a checking account is easy - it's just $25. There is no minimum balance after that. You can open your new Five Star checking account by stopping by one of the 17 local branches or by calling 888-619-1711 option 7.

 Your Free
Your Fabulous
50 Checking
Your Five Star
FREE Debit Card
FREE Online Banking
FREE Bill Pay
FREE Mobile Banking
FREE eStatements
FREE Personalized Standard Checks
Account Charge$0$0$0
Automatic Payments
Minimum to Open$25$25$25
Minimum Balance for Interest.05% APY* Interest on all balances$1,500 for .25% APY* Interest
Qualifier for AccountMust be 50 years old or above$1,500 Minimum Balance
Service Charge for Minimum Balance$10
Active Checking Benefits**.125% APY Bump for Savings.125% APY Bump for Savings.125% APY Bump for Savings
Checking Accounts Benefits**.25% APY Bump for Certificates.25% APY Bump for Certificates.25% APY Bump for Certificates

* (APY) Annual Percentage Yield
** Checking account is considered active with 10 debit/credit transactions
All Five Star accounts are guaranteed up to $250,000 from the National Credit Union Administration (NCUA).

If you have lost your card or it has been stolen, please call our Fraud Line at 855.847.2023.

On the app, you can cancel your card and have a new one sent to you by going through your Share Draft tab and using card management. You can also stop by your local branch and have one printed on the spot.

2021 Budget Worksheet - Easy to use. Download and get started saving money each month.