Compare Personal Checking Accounts

Account Type

Freedin Checking

Personal Checking

Star Cheking

Elite Checking

Minimum to Open $50.00 $50.00 $50.00 $1,500.00
Account Details Unlimited transactions Unlimited transactions Unlimited transactions and $10,000.00 Accidental Death & Dismemberment. Unlimited transactions and interest bearing account*
Minimum Daily Balance to Obtain APY N/A N/A N/A $1,000.00
Interest Paid N/A N/A N/A Daily Balance Method
Minimum Daily Balance to Avoid Service Charge No Minimum Balance Required $1,000.00 No Minimum Balance Required $1,500.00
Monthly Service Charge eStatements (Electronic Statements) are required, paper statements will have a $5.00 fee per statement. The paper statement fee will not be charged to customers 62 years of age or older or 21 years of age or younger. $499.99 or less – $12.00 $500 to $699.99 – $9.00 $700 to $999.99 – $7.00 $1,000 or greater – No Service Charge $10,000 AD&D and $20,000 Common Carrier Insurance – $10.00 per month $20,000 AD&D and $40,000 Common Carrier Insurance – $11.00 per month $30,000 AD&D and $60,000 Common Carrier Insurance – $12.00 per month (fees for active military, veterans, teachers, first responders, and customers age 62 or older are $5.00, $5.50, and $6.00 respectively) $12.00
Open Account Open Account Open Account Open Account

1. This account is an interest bearing account. The interest rate and annual percentage yield (APY) are included in the Rate Chart. The interest rate and APY may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

2. This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum.

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