Personal Checking Solutions

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STAR REWARD CHECKING
A free* checking account that currently pays 3.75% Annual Percentage Yield**, plus ATM fee refunds nationwide!***

We use the daily balance method to calculate the interest on your free checking account. This method applies a daily periodic rate to the principal in the checking account each day.

With this account you also have:

• No minimum balance requirement
• First order of checks is free
• Unlimited check-writing privileges
• No service charges for electronic & automatic transfers
• No service charges for unlimited transactions with your Personal Banker
• 24-hour ATM and Internet Banking
• Direct Deposit
• No monthly maintenance service charges for Overdraft Protection when linked to your Statement Savings, Personal Money Market, or Cash Advance accounts
• Monthly statements that include Image Copies of all your checks and may be  combined with your Statement Savings or Personal Money Market Accounts
• Free Master Money ™ Debit Card
• FDIC Insured

Please see your Personal Banker with any questions, and for the detailed Terms and Conditions of your account, and the Weekly Rate Sheet.

*A $100 deposit is required to open this checking account.

**Reward rate 3.75% Annual Percentage Yield* (APY) paid on balances between one penny and $50,000 and Reward Rate 1.01 APY paid on all balances above $50,000, each cycle the minimum requirements are met. STAR Reward Checking accounts must meet three requirements: 1) 10 point-of-sale debit card transactions, 2) eStatements, and 3) Direct Deposit or ACH. If these requirements are not met each cycle your account will still function as a free checking account, with the Annual Percentage Yield of 0.20% and the Interest Rate of 0.1998%; however, it will not receive ATM refunds for that period.  Rates subject to change without notice. No minimum balance required. You must deposit $100 to open this free checking account. Available to personal checking accounts only. No monthly service charge. Free Online Billpay.

***ATM fee refunds up to $30.

PERSONAL INTEREST CHECKING
This single account offers simple and flexible solutions for all your banking needs.

You must maintain a minimum daily balance of $100.00 in this account to obtain the Annual Percentage Yield listed for the account. A minimum daily balance of $100.00 must be maintained in order to avoid the imposition of a $10.00 monthly maintenance service charge.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

With this account you also have:

• First order of checks is free
• Unlimited check-writing privileges
• No service charges for electronic & automatic transfers
• No service charges for unlimited transactions with your Personal Banker
• 24-hour ATM and Internet Banking
• Direct Deposit
• No monthly maintenance service charges for Overdraft Protection when linked to your Statement Savings, Personal Money Market, or Cash Advance accounts
• Monthly statements that include Image Copies of all your checks and may be combined with your Statement Savings or Personal Money Market Accounts
• Free Master Money ™ Debit Card
• FDIC Insured

Please see your Personal Banker with any questions, and for the detailed Terms and Conditions of your account, and the Weekly Rate Sheet.

NON-INTEREST CHECKING
This is a non-interest bearing account. There is no minimum balance requirement. There is no monthly maintenance service charge.

With this account you also have:

• The first seven (7) ATM surcharges imposed by other banks while using your Allegiance Master Moneys card will be refunded, up to $3.00 per transaction, per calendar month
• First order of checks is free
• Unlimited check-writing privileges
• No service charges for electronic & automatic transfers
• No service charges for unlimited transactions with your Personal Banker
• 24-hour ATM and Internet Banking
• Direct Deposit
• No monthly maintenance service charges for Overdraft Protection when linked to your Statement Savings, Personal Money Market, or Cash Advance accounts
• Monthly statements that include Image Copies of all your checks and may be  combined with your Statement Savings or Personal Money Market Accounts
• Free Master Money™ Debit Card
• FDIC Insured