Welcome

Welcome to Five Star Credit Union! We are excited to share many of the great features and benefits of being a Five Star Member. Below you will find helpful information about your accounts, loans, debit card, online and mobile banking and so much more. Let's learn how to get the most out of your membership with Five Star Credit Union!


All OneSouth Bank customer accounts will transition to Five Star on Oct. 1. 

IMPORTANT NOTICE:

On Monday, Sept. 30, All OneSouth offices will close at 12PM/NOON EST as we complete the conversion to Five Star Credit Union.
ATMs are still available.

Online Banking and the App will be unavailable Sept. 30th at 2PM EST. On October 1, you will be able to login to online banking at www.fivestarcu.com and use the Five Star App

All offices will reopen at 11AM EST on Tuesday, Oct. 1.

 For all Bill Pay users, your payees in Bill Pay will transfer to the Five Star bill pay solution in online banking and the app. We encourage you to review for accuracy. 
 
As a reminder, when signing in to online banking for the first time, use the new six digit member number that will be sent to OneSouth members in a letter in September. The member number begins with a 2.  Do not attempt to login until October 1. For more on how to log in for the first time please visit this helpful video.

Personal Checking:

We are pleased to offer several accounts to meet your banking needs. With Your Free Checking, Your Fabulous 50 Checking, and Your Five Star Checking, at Five Star we have an account for everyone. Five Star also offers Money Markets, Share Certificates (CDs), and Five Star Visa Credit Cards to our members. As a member of the COOP ATM network conveniently located in places like Publix grocery stores, you can access 30,000 surcharge-free locations nationwide including the Presto Network.

All of your current checks will be honored. When you re-order checks in the future you will receive your new Five Star logo.

You were automatically enrolled in Free Checking or the Fabulous 50 account depending on your age. Contact your local financial center if you would like to change your account type.

All deposits are NCUA insured, for more information see our comparison chart. 


 

Review Personal Checking Accounts


Debit Cards
Your new Five Star debit card will be sent in a separate mailing this month.  Your old OneSouth debit card will no longer work after September 30.  You will need to update any automated debit card payments or charges to your new debit card number.  You can conveniently add card controls and limits within the mobile banking app.  Check out the helpful video below to learn more about card controls.
 
Personal Loans:

All your loans will transfer seamlessly to Five Star. All terms and conditions of the loans will be honored for the life of the loan. You should not see any changes. After Oct. 1, 2024, if you notice any problems or changes please contact us immediately. Five Star offers all types of loan products for your needs including auto, credit card, mortgage, manufactured home, HELOC, member business, RV, watercraft, and unsecured personal loans. We have the loan to meet your needs!  

Review All Loan Types

 

Business Checking:

Running a business is hard - all those tough decisions, tight deadlines and demands on your time. What can lighten the load? First-class money management tools. Five Star offers three business checking accounts designed to increase efficiency so your attention stays focused on the most important matters.

All of your current checks will be honored. When you re-order check in the future you will receive your new Five Star logo checks with updated account number and routing number. 

All deposits are NCUA insured, for more information see our comparison chart. 

Review Business Checking Accounts

 

Business Loans:

What's your next big move? Perhaps it's purchasing modern machinery, remodeling a facility or acquiring new property. At Five Star, our business lenders look forward to hearing your plan, offering up expertise, and providing your business with affordable funding that keeps the momentum going.

Review Business Loan Types

 

Credit Cards: 
Five Star conveniently offers VISA Credit Cards for individuals and businesses!  Apply online now.
 
 
 
Statements:
After Oct. 1, 2024, you will begin receiving your account statements from Five Star. All of your old statements from OneSouth will be available to you at the Financial Centers, please stop in and ask for a print out free of charge. 

Improved Technology:
We have invested in modern technology to streamline processes, enhance digital banking capabilities, and improve overall member experience. At Five Star, Online and Mobile Banking is Free! Online and in the mobile app you can get up-to-date balances, transfer funds between accounts, deposit checks, pay your bills and make loan payments, review transaction history, receive alerts that notify you of important account information, link your debit card to your phone for one-tap payments and so much more. 
 
To log in the first time with online or mobile banking follow the instructions listed below. We have some helpful videos to walk you through those steps and a virtual tour of the online and mobile banking platform. 

Online Banking, Mobile and Phone Banking App:  
  • On October 1 - Download the Five Star Mobile App or visit www.fivestarcu.com and click on Login. The login will work for the mobile app and online banking.
  • Choose Enroll Now and complete the requested information to access your account. Be sure to enter your new 6-digit Member Number located on the letter mailed earlier in July in the account number space during enrollment. 
  • To enroll in 24/7 automated phone banking contact Member Care at 888-619-1711 option 7 or your local financial center. 
 
Visit the video library below for helpful tours and how to get the most out of your online banking and mobile app!
Sign Into Online Banking

In this video learn how to sign up for online and mobile banking, where to find key features and how to organize your dashboard.

Find eStatements & Messaging

This video explains how to enroll in eStatements, where to find all electronic documents, and messaging features.

How to Set Up Card Controls

In this video learn how to set up alerts and turn on card controls to mitigate fraud.

Online Banking Deposits & Bill Pay

This video explains online transfers, how to do a mobile deposit, set up bill pay, and member to member payments.

























Deposits are insured by the National Credit Union Administration (NCUA) just like the FDIC. Review the comparison below for NCUA vs FDIC insurance coverages.  For more information about the NCUA visit, www.ncua.gov

NCUA

  • Federally insured credit unions
  • $250,000 per insured credit union, per member-owner, per account ownership category
  • Insured Deposit Accounts: 
  1. Checking Accounts
  2. Savings Accounts
  3. Money Market Deposit Accounts
  4. Certificate Accounts (share certificates and CD's)
  5. Individual Retirement Accounts (IRAs)
What is not insured, even if sold by federally insured credit union:
  • Stocks
  • Bonds
  • Treasury Bills
  • Mutal Funds
  • Annuities
  • Life Insurance policies
  • Municipal Securities
  • Safe Deposit Boxes or their contents

FDIC

  • Federally insured banks
  • $250,000 per insured bank, per depositor, per account ownership category
  • Insured Deposit Accounts:
  1. Checking Accounts
  2. Savings Accounts
  3. Money Market Deposit Accounts
  4. Negotiable Order of Withdrawal (NOW) Accounts
  5. Certificates of Deposits (CDs)
  6. Individual Retirement Accounts (IRAs)
  7. Cashiers Checks
  8. Money Orders
  9. Select prepaid cards from FDIC-backed banks
What is not insured, even if sold by federally insured bank:
  • Stocks
  • Bonds
  • Treasury Bills
  • Mutal Funds
  • Annuities
  • Life Insurance policies
  • Municipal Securities
  • Safe Deposit Boxes or their contents