Starlight Checking

Minimum balance to open the account - You must deposit $100.00 to open this account. Subject to approval.

Fees - There is no monthly service charge, per check charge or minimum balance required.

Overdraft protection - The Starlite Checking account has an overdraft protection of $500.00. Each debit item presented for payment will be assessed an Overdraft charge of $28.75. Overdraft charges will not be refunded. The categories of transactions for which an Overdraft Charge may be imposed are those by any of the following means: check, in person withdrawal, ATM withdrawal or other electronic means. Actual overdraft amount may exceed $500.00 in order to assess a $28.75 Overdraft Charge for any check, in person withdrawal, ATM withdrawal or other electronic debit paid up to the $500.00 overdraft limit. Once your account is overdrawn more than $500.00, items may be returned and you will be subject to NSF Item Charge. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Star Bank of Texas has the right, at its sole discretion, to terminate overdraft protection for unsatisfactory handling. If this occurs, the account will be converted to a regular checking account and will be subject to the following fee: A service charge of $7.00 and a per debit fee of $.25 for each debit transaction will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. All overdrafts are to be repaid within 30 days of the day the account was first overdrawn or upon request by the bank, whichever comes first. If you do not restore your overdrawn balance to a positive balance within 30 days from first becoming overdrawn, the account will be charged off and reported to credit agencies. The account will be provided an imaged statement only. Applicants must be 18 years of age or older to qualify for the account. Must meet other eligibility requirements.