Personal Checking

• Earn 5.00% cash back on up to $200 of your day-to-day debit card purchases, up to $10 cash back per cycle
• Online and mobile banking
  
• Mobile deposits
• Debit card and Bill Pay
• Use MoneyPass®  Network for surcharge-free ATM access
• $5 paper statement fee if not enrolled in eStatements
• No rewards earned if qualifications are not met—try again next qualification cycle
  

*APY = Annual Percentage Yield: Star Rewards Cash Back Checking: When qualifications are met during a Monthly Qualification Cycle, you are eligible for the following rewards: 5.00% cash back on up to $200 in day-to-day debit card purchases (max $10 per cycle). If qualifications are not met, no cash back is credited. If the account closes before the cycle ends, no cash back is paid. Rewards are variable and may change without notice. This account is not for commercial use. A $5 paper statement fee applies per statement cycle if not enrolled in eStatements. Fees may reduce earnings. There is no fee to open or close this account. If linked to a Star Rewards Cash Back Savings account, rewards are credited to the savings account on the last day of the statement cycle. Monthly Qualification Requirements for Star Rewards Cash Back Checking: Complete the following during the Monthly Qualification Cycle: 1) At least 15 debit card purchases; 2) At least 1 ACH debit or credit; 3) Enroll in and log into online banking and agree to eStatements. Transactions must post and settle during the qualification cycle. Posting may take one or more business days. The following activities do not count towards meeting qualifications: ATM transactions, debit card purchases processed as ATM transactions, transfers between accounts, non-retail transactions, or purchases made with non-OakStar debit cards. Account Purpose and Expected Use: This account is intended as the account holder’s primary checking account, used for payroll and routine spending (e.g., grocery, gas, retail, dining, entertainment). Frequent debit card use across a normal range of transaction amounts is expected. Examples of inappropriate use: Multiple small transactions at the same merchant on the same day or clustered transactions near the end of a cycle—when appearing intended solely to meet qualifications—may be disallowed and may not count toward rewards. Repeated calculated usage patterns may result in account type change or closure. If qualifications are not met over 6 consecutive statement cycles, account type change may also occur. APY*s are accurate as of 5/14/26. A $25 minimum deposit is required to open the account. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the close of the current statement cycle. Contact OakStar Bank for additional details, restrictions, and enrollment information.

How To Qualify:

• 15 debit card purchases
• 1 ACH debit or credit
• Enroll in and agree to receive eStatements
• Enroll in and log into online banking
• Transactions must post and settle during the monthly qualification cycle
  

*APY = Annual Percentage Yield: Star Rewards Interest Checking: When qualifications are met during a Monthly Qualification Cycle, you are eligible for the following rewards: 1) Tier 1: 4.89% interest on daily balances ≤ $24,999.99, 5.00% APY*; 2) Tier 2: 0.50% interest on daily balances ≥ $25,000.00, 5.00%–1.63% APY*, depending on balance. If qualifications are not met, interest rate and APY* are 0.05%. Rates are variable and may change without notice. This account is not for commercial use. A $5 paper statement fee applies per statement cycle if not enrolled in eStatements. Fees may reduce earnings. There is no fee to open or close this account. If linked to a Star Rewards Interest Savings account, interest does not compound in checking. Interest is credited on the last day of the statement cycle and transferred to the linked savings account within one business day; transfers may cause overdrafts if the checking balance is insufficient. Monthly Qualification Requirements for Star Rewards Interest Checking Complete the following during the Monthly Qualification Cycle: 1) At least 15 debit card purchases; 2) At least 1 ACH debit or credit; 3) Enroll in and log into online banking and agree to eStatements. Transactions must post and settle during the qualification cycle. Posting may take one or more business days. The following activities do not count towards meeting qualifications: ATM transactions, debit card purchases processed as ATM transactions, transfers between accounts, non-retail transactions, or purchases made with non-OakStar debit cards. Account Purpose and Expected Use: This account is intended as the account holder’s primary checking account, used for payroll and routine spending (e.g., grocery, gas, retail, dining, entertainment). Frequent debit card use across a normal range of transaction amounts is expected. Examples of inappropriate use: Multiple small transactions at the same merchant on the same day or clustered transactions near the end of a cycle—when appearing intended solely to meet qualifications—may be disallowed and may not count toward rewards. Repeated calculated usage patterns may result in account type change or closure. If qualifications are not met over 6 consecutive statement cycles, account type change may also occur. APY*s are accurate as of 5/14/26. A $25 minimum deposit is required to open the account. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the close of the current statement cycle. Contact OakStar Bank for additional details, restrictions, and enrollment information.