Checking Accounts

Checking Accounts

CommStar Credit Union has the right checking account to fit your lifestyle, with optional identity theft protection and access to nearly 30,000 fee-free ATMs across the country.

Star Checking

The most basic of our checking accounts, Star Checking gives you the flexibility of checks and a debit card, eStatements, mobile banking and more, all with no monthly maintenance fees.

Star Checking Plus

Star Checking Plus offers the same great features as our basic checking account but with optional ID Protect identity theft protection and more fee-free foreign ATM transactions allowed per month.

Star Checking Rewards

Our most premium checking account, Star Checking Rewards allows up to seven fee-free foreign ATM transactions per month, pays a higher dividend*, and even offers up to a $10/month rebate on foreign ATM fees.

Elements Teen Checking

Is your teen ready to learn how to keep track of spending, balance a checkbook, receive deposits, make transactions, and learn how to use a debit card responsibly? Our Elements Teen Checking account is the perfect fit. It offers all the features of our basic Star Checking with no monthly fees. (All accounts for persons under the age of 18 require a joint owner)

*Higher dividend on Star Checking Rewards earned by meeting active eStatements enrollment status qualifier. Members must log in to account at least once per month in order to achieve active eStatements enrollment status and meet qualifier.

Account FeaturesStar CheckingStar Checking PlusStar Checking Rewards
$0 Minimum Balance
Minimum $25 Initial Deposit
Free eStatements
Free CommStar-owned ATM Transactions
Free Foreign ATM (non-network) ATM Transactions✓ 3 per month✓ 5 per month✓ 7 per month
It's Me 247 Online Banking
CU*Talk Telephone Banking
Text Banking
Mobile App Access
SnapCash Remote Deposit Capture Access
ID ProtectX
Online Bill Pay*
Free Account2Account Transfers
Save the Change Option
No Monthly Maintenance Fee**X $4/monthX $6/month
Pays DividendsX✓ Higher Dividend***
Foreign (non-network) ATM Fee Rebate***XX✓ Up to $10/month rebate

*EasyPay is available to members who receive eStatements and direct deposit, and is available through It’s Me 247 Online Banking. Must maintain payment of at least one bill via EasyPay each month to avoid a $4.95 inactive fee.

**We’ve made it easy to eliminate this maintenance fee in two ways: 1) maintain average balance of at least $1,500.00 in checking account monthly; or 2) have a loan balance of $2,500.00 or more.

***Required activity to receive higher dividend in Star Checking Rewards account: eStatements, and 10 monthly non-PIN debit card transaction, and minimum $500.00 direct deposited funds into checking account monthly.

****Foreign network ATM fees require a receipt in order to be considered for refund. Please keep your ATM receipt and bring it to a CommStar location to be considered for refund.

Click here to see rates associated with these accounts.
Click here to see disclosures associated with these accounts.