Star Checking

A State Bank Group Banking ServiceTo learn more About Star Checking, see Accounts Brochure PDF.

  • Minimum opening balance $100.
  • Daily minimum balance $2,500
  • Minimum balance to obtain (annual percentage yield) APY* $2,500.
  • Interest computation method is daily balance.
  • Interest compounding is daily.
  • Interest crediting frequency is monthly.
  • Interest begins to accrue on the business day you deposit cash or non-cash items (examples: checks).
  • Accounts closed before the end of the statement cycle forfeit accrued interest.
  • Monthly maintenance service charge ($9)  if the daily balance on any given day of the month drops below $2500.
  • Insufficient funds charge (paid) or insufficient funds charge (returned) $35 per item.
  • Monthly statement
  • Unlimited check writing
  • ATM Anytime Help Line accessiblity (ATM and other fees may apply)
  • Free online banking.
  • Free mobile banking**, free text banking **, free online bill pay, free mobile bill pay **.
  • Shop local, save local with BaZing savings.  Cell phone protection***, Identity theft protection***, $10,000 Travel accidental death coverage***.
  • Roadside assistance, pharmacy, vision, and hearing savings.

*Interest Rate & APY is a variable rate, subject to change at any time. **Wireless carrier data rates apply. ***Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.

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For profit organizations are not eligible for Star Checking Accounts.  This includes all organizations operated for profit, such as corporations, partnerships, associations and business trusts (but not sole proprietorships).


NOTE: Insufficient funds charges may apply when there are insufficient or unavailable funds and the account becomes overdrawn. The bank uses real-time processing, which means transactions are posted as the bank receives them. Multiple insufficient funds fees may be imposed if at any time during the day, an account has insufficient funds, even though the final balance at the end of the day may be positive. The fee applies to insufficient funds charges created by check, in person withdrawal, or other electronic means. You will not be charged for point-of-sale transactions or ATM transactions that result in your account becoming overdrawn.


Safe Banking Tips

Never give out the following information in an email:

  • First name, last name, business name
  • Email and password combination

  • Credit card, bank account, and PIN
  • Social security and driver's license number

Do not download attachments, software updates, or any application to your computer via a link you received in an email. The State Bank Group will not ask you to download anything for your account to work.