Woman holding up a phone and debit card.

Personal Checking

OakStar Bank is here to help you achieve financial freedom, and make your life easier. Choose an account that will fit your lifestyle.
 
This no monthly service fee personal checking account also has the added benefit of an impressive 2.01% APY* and ATM fee refunds! Just do a few simple things you’re probably already doing and watch the rewards add up!
 
  • 2.01%APY* on balances up to $15,000
  • 0.25% APY* on balances over $15,000
  • 0.05%APY* even if qualifications are not met
  • ATM fee refunds nationwide up to $25 monthly
    (up to $4.99 per transaction)**
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free Online Banking
  • Free eStatements
  • Free Mobile Banking
  • Free Debit Card
 

EARNING YOUR REWARDS IS EASY!

To earn your rewards, simply do the following activities in your Kasasa Cash account each monthly qualification cycle:
 
  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) direct deposit or auto debit post and settle
  • Be enrolled in and log into online banking
  • Be enrolled in and agree to receive eStatements
 

IF YOU DON’T QUALIFY FOR THE FULL REWARDS ONE MONTH, DON'T WORRY!

You’ll always have free checking, plus a base interest rate of 0.05% APY* and you can get right back to earning 2.01% APY* and enjoying refunds on ATM fees the next month you qualify.
 
 
 
*APY = Annual Percentage Yield
**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle: (1) Kasasa Cash: Balances up to $15,000 receive a monthly compounding APY* of 2.01%; and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000; (2) Kasasa Saver: Balances up to $25,000 receive APY of 0.60% and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000; and (3) **ATM Fee Reimbursements: You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during that Monthly Qualification Cycle. ATM reimbursement limited to $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. When Kasasa Cash qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash account earn a non-compounding APY of 0.05%, all balances in your Kasasa Saver account earn 0.05% APY and the interest or dividends earned in your Kasasa Cash account are automatically transferred to your Kasasa Saver account within one business day. This automatic transfer may cause an overdraft to your linked Kasasa Cash account, if the account’s balance is less than the transferred amount when transfer occurs. *When linked to the Kasasa Saver account, the interest or dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 12/18/19. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.Additional Information: Account approval, conditions, qualifications, limits,time frames, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $25 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking,electronic statements) and log-ons may be required to meet some of the account’s qualifications. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.There are no recurring monthly service charges or fees to open or close this account. Comparison Source: Interest Checking, FDIC http://www.fdic.gov/regulations/resources/rates/. Contact one of our dedicated OakStar Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Account available only to residents of Missouri,Kansas, and Arkansas. Member FDIC
Enjoy no monthly service fee with our personal Kasasa Cash Back account. Plus, you can earn up to 4.00% cash back on debit card purchases*. That’s all on top of refunds on ATM fees, nationwide.* What’s not to like about a little extra cash?
  • 4.00% cash back on debit card purchases*
    -No category restrictions on purchases
    -Cash back earned on purchases up to $200 monthly
    -Earn up to $8 cash back per cycle
  • ATM fee refunds nationwide up to $25 monthly
    (up to $4.99 per transaction)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free Online Banking
  • Free eStatements
  • Free Mobile Banking
  • Free Debit Card
 

EARNING REWARDS IS EASY:

To earn your rewards, simply do the following activities in your Kasasa Cash account each monthly qualification cycle:
 
  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) direct deposit or auto debit post and settle
  • Be enrolled in and log into Online Banking
  • Be enrolled in and agree to receive eStatements


IF YOU DON’T QUALIFY FOR THE FULL REWARDS ONE MONTH, DON'T WORRY!

Your Kasasa Cash Back account is still free, and there are no penalties for not qualifying. In fact, you can get right back to earning rewards the very next month!
 
 
 
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during that Monthly Qualification Cycle. ATM reimbursement limited to $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $25 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. Comparison Source: Interest Checking, FDIC http://www. fdic.gov/regulations/resources/rates/. Contact one of our dedicated OakStar Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Account available only to residents of Missouri, Kansas, and Arkansas. Member FDIC
  • Available to consumers age 50 and older
  • Minimum balance to open an account is $500
  • ATM/Debit card
  • Checks provided (one free box per year)
  • Unlimited check writing
  • Unlimited ATM transactions
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • $10 annual discount on Safe Deposit Box
  • Check images shown on monthly statement
  • Interest collected on average daily balance
  • Daily minimum average balance of $500
  • Otherwise - Maintenance Fee $8.00
 
 
 
 
 
 
 
Contact your local branch or complete our secure form for more information.