Personal

We pride ourselves on being able to offer a wide variety of personal banking products to meet you individual needs.

Personal Checking

Star Bank's Checkless Checking Account

Minimum Deposit: You must deposit $100.00 to open this account.
Fees: There is no monthly service charge or per debit charge. Account comes with the following services at no additional charge: Debit Card, Direct Deposit, E-Statements, E-Notices, Internet Banking, and Bill Pay. (Auto Debit for loans is also available) Checks are not available for this account.
Additional Terms: You must sign up for all services in order to qualify for account.
Deposit Limitations: You may make an unlimited number of deposits into your account.

Starburst Checking Account

Minimum Deposit: You must deposit $100.00 to open this account.
Fees: A service charge fee of $5.00 will be charged every statement cycle.
Additional Terms: Account can be provided E-Statments/E-Notices.; You may make an unlimited number of deposits into your account.

Starburst Checking Account (Under 18)

Minimum Deposit: You must deposit $100.00 to open this account.
Fees: A service charge fee of $5.00 per statement cycle will be waived until the Minor's 18 year old birthday.
Additional Terms: Account can be provided E-Statments/E-Notices. You must be at least 16 years old to qualify for account. A parent or legal guardian must maintain a separate deposit account with Star Bank of Texas.
Deposit Limitations: You may make an unlimited number of deposits into your account.

Superstar Checking Account (Age 50+)

Minimum Deposit: You must deposit $100.00 to open this account.
Fees: There is no monthly service charge or per debit charge.
Additional Terms: Account is provided paper statements unless customer signs up for E-Statements/E-Notices.
Deposit Limitations: You may make an unlimited number of deposits into your account.

Personal Savings

Savings Account

Rate Information: Your interest rate and annual percentage yield may change.
Rate Changes: We may change the interest rate on your account at any time.
Determination of Rate: At our discretion, we may change the interest rate on your account.
Frequency: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum Deposit: You must deposit $100.00 to open this account.
Minimum Balance: A service charge fee of $5.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month.
Additional Terms: Account can be provided E-Statements/E-Notices.
Daily Balance: We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Transaction limitations: Transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties. If you exceed the transfer limitations set forth above more than 3 times in a 12-month period, your account may be changed to a non-interest bearing account or be closed.
Fees: A transaction fee of $4.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a month.
Deposit Limitations: You may make an unlimited number of deposits into your account.

NOW Account

Rate Information: Your interest rate and annual percentage yield may change.
Rate Changes: We may change the interest rate on your account at any time.
Determination of Rate: At our discretion, we may change the interest rate on your account.
Frequency: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum Deposit: You must deposit $1,500.00 to open this account.
Minimum Balance: A service charge fee of $17.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
Additional Terms: Account can be provided E-Statements/E-Notices.
Daily Balance: We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Fees: A per debit item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 50 during a statement cycle.
Deposit Limitations: You may make an unlimited number of deposits into your account.

Personal Money Markets, CDs & IRAs

Money Market Account

Rate Information: Your interest rate and annual percentage yield may change.
Rate Changes: We may change the interest rate on your account at any time.
Determination of Rate: At our discretion, we may change the interest rate on your account.
Frequency: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum Deposit: You must deposit $2,500.00 to open this account.
Minimum Balance: A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Additional Terms: Account can be provided E-Statements/E-Notices.
Daily Balance: We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Transaction Limits: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per monthly statement cycle. If you exceed the transfer limitations set forth above more than 3 times in a 12-month period, your account may be changed to a non-interest bearing account or be closed.
Fees: A transaction fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of the above limitations.
Deposit Limitations: You may make an unlimited number of deposits into your account.

CDs & IRAs

Fixed Rate

The interest rate and annual percentage yield on your account is fixed. You will be paid this rate until first maturity.

Compounding

Unless otherwise paid, interest will be compounded at maturity.

Crediting

Interest will be credited to your account at maturity. Alternatively, you may choose to have interest paid to you by check or to another account monthly or quarterly rather than credited to this account.

Minimum Balance

You must deposit $1,000.00 to open this account.

Additional Terms

Account can be provided E-Statements/E-Notices. If you want to receive paper statements, an additional monthly fee of $2.00 will be charged.

Daily Balance

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

Accrual of Interest

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Transaction Limits

You may not make any deposits into your account before maturity. You may not make withdrawals of principal from your account before maturity. You cannot withdraw interest from your account before maturity unless, at account opening, you arrange to have interest paid to you by check or credited into another account with us. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

If your account has an original maturity of less than 12 months: The fee we may impose will equal one month's interest on the amount withdrawn subject to penalty.
If your account has an original maturity of 12 months or more: The fee we may impose will equal three month's interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred plan. For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the finds without a penalty.