Checking that fits your today and tomorrow.
Whether you’re opening your first account, or looking for an account that will pay interest and give you cash back, Five Star Bank Checking Accounts have a range of features and benefits that fit your banking needs.
Our Premier Checking has the most flexibility and benefits of all our offerings. Earn interest, get cash back rewards, and receive preferred rates on deposit accounts.
- Digital Banking Included
with Mobile Check Deposit, Bill Pay and P2P Payments - Access to over 43,000 surcharge-free ATMs nationwide
- 1 Box of Standard Checks per Year Included1
when order is placed with a Five Star Bank Branch Associate - Overdraft Line of Credit Available
Subject to application and credit approval - Optional Paper or e-Statement Included
-
Savings Overdraft Sweep2
If you overdraw your checking account, funds can be transferred from your savings account.
- Unlimited Check Writing
- Cash Back Rewards
Receive $0.05 cash back for every Five Star Bank Debit Card/ATM POS Transaction3 posted over 15 during the statement period - Wire Discount
$10 discount per wire - Safe Deposit Box Discount4
$10 discount on any size box per year - ATM Fee Credits5
Receive up to $10 per statement period for non-Five Star Bank ATM Fees - ATM Surcharge Credits
Receive up to $10 per statement period for ATM Surcharge Fees - Interest Bearing Account
- No Fee Money Orders and Cashier Checks
- Preferred Deposit Account Rates
- Preferred Personal Loan and Home Equity Loan Rates6
Service Charges
$25.00 per Statement Period
The service charge does not apply when you have:
A combined total consumer deposit accounts and/or loan balances of $25,000 or more at the end of the activity period
OR
Direct deposits totaling at least $5,000 into the account during the activity period
With our Plus Checking you’ll receive cash back for using your Five Star Bank debit card— plus you’ll get ATM fee credits, and wire discounts.
- Digital Banking Included
with Mobile Check Deposit, Bill Pay and P2P Payments - Access to over 43,000 surcharge-free ATMs nationwide
- First Order of 20 Standard Checks Included1
when order is placed with a Five Star Bank Branch Associate - Overdraft Line of Credit Available
Subject to application and credit approval - Optional Paper or e-Statement Included
-
Savings Overdraft Sweep2
If you overdraw your checking account, funds can be transferred from your savings account.
- Unlimited Check Writing
- Cash Back Rewards
Receive $0.05 cash back for every Five Star Bank Debit Card/ATM POS Transaction3 posted over 25 during the statement period - Wire Discount
$5 discount per wire - Safe Deposit Box Discount4
$10 discount on any size box per year - ATM Fee Credits5
Receive up to $5 per statement period for non-Five Star Bank ATM Fees
Service Charges
$12.00 per Statement Period
The service charge does not apply when you have:
At least a $2,000 average ledger balance for the activity period
OR
Direct deposits totaling at least $1,000 into the account during the activity period
The Traditional Checking account is for people who want a low-cost alternative that requires a minimum account balance of $0.01 to avoid closure and does not require access to a computer. This account is a service charge free account for seniors 62 years of age or older. The Traditional Checking account meets the NYS Basic Banking Requirements.
- Digital Banking Included
with Mobile Check Deposit, Bill Pay and P2P Payments - Access to over 43,000 surcharge-free ATMs nationwide
- First Order of 20 Standard Checks Included1
when order is placed with a Five Star Bank Branch Associate - Overdraft Line of Credit Available
Subject to application and credit approval - Optional Paper or e-Statement Included
-
Savings Overdraft Sweep2
If you overdraw your checking account, funds can be transferred from your savings account.
Service Charges
$3.00 per Periodic Cycle*
$0.50 per check presented in excess of eight (8) per periodic cycle6*
*Waived for customers 62 years of age and older
Progress Checking is an account that gives you access to online and mobile banking with a low minimum account balance of $0.01 to avoid closure and no overdraft fees or monthly service charges.
Account Details
The Progress Checking account has no overdraft fees or monthly service charges.
The use of checks, with the exception of Bill Pay checks, is not allowed.
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