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. If the balance falls below $1,500, you will incur a $10 fee.



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, by calling 888-619-1711 option 7, or by clicking the button below.

  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

* (APY) Annual Percentage Yield
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.

Free Fraud Text Alerts

Five Star offers members free fraud text alerts. Members will receive a fraud text alert to their phone if their Five Star debit or credit card has potential fraudulent activity. The transaction can be approved or rejected immediately. Here is an example of a text that would be sent if fraud is suspected.

Five Star Fraud Text Alerts make it easier and faster to detect and prevent fraud. Having the ability to validate transactions in real-time will be extremely beneficial. There is an option to opt-out if you would like.

Five Star will never text or call you asking for sensitive information such as social security number, account number, card number, or PIN number. Any text or call that you receive that asks for personal information is not from Five Star.

If you have questions about Five Star Fraud Text Alerts, call Member Care at 888-619-1711, option 7, or send an email to membercarecenter@fivestarcu.

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.

2023 Budget Worksheet - Easy to use. Download and get started saving money each month.