Checking

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.

Check out our rates

Premier CHecking account

with Interest & Cash Back Rewards!

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.

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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

Plus Checking account

With cash back Rewards!

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.

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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 Credits⁵Receive up to $5 per statement period for non-Five Star Bank ATM Fees

Traditional Checking account

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.

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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.

Progress Checking account

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.

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Digital Banking Included
with Mobile Check Deposit, Bill Pay and P2P Payments
Access to over 43,000 surcharge-free ATMs nationwide
No overdraft or NSF fees
Free money orders
Optional paper or e-Statement included

¹ Check orders must be placed with a Five Star Bank Branch Associate for check printing fees to be waived. Premier Checking accountholders are eligible for 1 box of standard checks per year. Plus Checking and Traditional Checking accountholders are eligible to have check printing fees waived on their first order of 20 standard checks.

² Fees may apply to use of overdraft protection services. Regulations limit the number of certain types of withdrawals and transfers that can be made during any calendar month from your savings account.

³ Transaction must be for more than $1.00

⁴ Subject to availability

⁵ If you perform a transaction at an ATM that is not owned by Five Star Bank or a part of the AllPoint Network, the ATM Owner may charge you an ATM Surcharge Fee

⁶ Subject to application and credit approval

⁷ Checks that are generated and sent via Bill Pay count against the check limit

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COMPARE CARDS

Digital Banking

Looking for something?

Checking

Checking that fits your today and tomorrow.

Premier CHecking account

Plus Checking account

Traditional Checking account

Progress Checking account

Were you looking for credit cards?

Take a glance at what we have to offer.