You use a checking account almost every day—shouldn’t it fit your lifestyle?
Your choices reflect your unique style and priorities. Your checking account should do that, too. Want to earn cash back? We’ve got you. Never want to pay fees? We’ve got you, too. Want to know everything there is to know about our personal checking account options? Take a look at the chart below to get started.
| Details | E-Star Checking | Premier 50 Checking | Kasasa Cash Back Checking |
Kasasa Cash
Checking
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| Open Account Online |
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| Free online/mobile banking for account access on the go |
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| Free eStatements | |
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| 1 free box of checks per year |
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Discount on safe deposit boxes
*qualifications apply
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Potential to earn rewards for everyday use
*qualifications apply
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| Earn rewards for everyday use *qualifications apply |
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Minimum balance requirement
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Age requirement
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| More on E-Star Checking | More on Premier 50 Checking | More on Kasasa Cash Back Checking | More on Kasasa Cash Checking |
E-Star Checking
Looking for a checking account that fits your everyday lifestyle? Check out the details below. When you're ready to get started, we'd love to help you set up a new account! Visit your local branch, give us a call, or fill out our secure form.
E-Star Details
- ATM/Debit card
- Free eStatements ($5 paper statement fee)
- Free online and mobile banking
Tired of your change going to waste? Find out how you can start saving your extra cents with each debit card transaction here.
Premier 50 Checking
Looking for an account that fits your active lifestyle? Check out the details below, and if you're ready to get started, we would love to help you set up a new account! Visit your local branch, give us a call, or fill out our secure form.
Premier 50 Details
- Minimum balance to open an account is $500
- Available to consumers age 50 and up
- ATM/Debit card
- Checks provided (one free box per year)
- Unlimited check writing
- Unlimited ATM transactions
- Online and Mobile Banking
- Online Bill Pay
- $10 annual discount on Safe Deposit Box
- Check images shown on monthly statement
- Interest collected on daily balance
- Maintain $500 minimum daily balance or $500 average daily balance to avoid the $8 monthly maintenance fee
Tired of your change going to waste? Find out how you can start saving your extra cents with each debit card transaction here.
Kasasa Cash Back Checking
Looking for a checking account that has perks for that active swiper? Check out the details below, and if you're ready to get started, we would love to help you set up a new account! Visit your local branch, give us a call, or fill out our secure form.
Kasasa Cash Back Details
- 4.00% cash back on debit card purchases*
-No category restrictions on purchases
-Cash back earned on purchases up to $200 monthly
-Earn up to $8 cash back per cycle - ATM fee refunds nationwide up to $25 monthly
(up to $4.99 per transaction)* - No monthly service fee
- No minimum balance to earn rewards
- Unlimited check writing
- Free online and mobile banking
- Free eStatements
- Free debit card
How To Qualify:
To earn your rewards, simply do the following activities in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) direct deposit or auto debit post and settle
- Be enrolled in and log into Online Banking
- Be enrolled in and agree to receive eStatement
Tired of your change going to waste? Find out how you can start saving your extra cents with each debit card transaction here.
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during that Monthly Qualification Cycle. ATM reimbursement limited to $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $25 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. Comparison Source: Interest Checking, FDIC http://www. fdic.gov/regulations/resources/rates/. Contact one of our dedicated OakStar Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Account available only to residents of Missouri, Kansas, and Arkansas. Member FDIC
Kasasa Cash Checking
Looking for an account that benefits you while maintaining a healthy balance? Check out the details below, and if you're ready to get started, we would love to help you set up a new account! Visit your local branch, give us a call, or fill out our secure form.
Kasasa Cash Details
- 2.01% APY* on balances up to $15,000
- 0.25% to 2.01% APY* on balances over $15,000
- 0.05% APY* even if qualifications are not met
- ATM fee refunds nationwide up to $25 monthly
(up to $4.99 per transaction)** - No monthly service fee
- No minimum balance to earn rewards
- Unlimited check writing
- Free online and mobile banking
- Free eStatements
- Free debit card
How To Qualify:
To earn your rewards, simply do the following activities in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) direct deposit or auto debit post and settle
- Be enrolled in and log into online banking
- Be enrolled in and agree to receive eStatement
Tired of your change going to waste? Find out how you can start saving your extra cents with each debit card transaction here.
*APY = Annual Percentage Yield
**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle: (1) Kasasa Cash: Balances up to $15,000 receive a monthly compounding APY* of 2.01%; and balances over $15,000 earn 0.25% APY on the portion of balance over $15,000, resulting in a range from 2.01% to 0.25 APY* depending on the account's balance; (2) Kasasa Saver: Balances up to $25,000 receive an APY* of 0.50% and balances over $25,000 earn 0.25% APY* on the portion of balance over $25,000, resulting in a range from 0.50% to 0.25% APY* depending on the account's balance; and (3) **ATM Fee Reimbursements: You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during that Monthly Qualification Cycle. ATM reimbursement limited to $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. When Kasasa Cash qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash account earn a non-compounding APY of 0.05%, all balances in your Kasasa Saver account earn 0.05% APY and the interest or dividends earned in your Kasasa Cash account are automatically transferred to your Kasasa Saver account within one business day. This automatic transfer may cause an overdraft to your linked Kasasa Cash account, if the account’s balance is less than the transferred amount when transfer occurs. *When linked to the Kasasa Saver account, the interest or dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 9/23/2024. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $25 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Comparison Source: Interest Checking, FDIC http://www.fdic.gov/regulations/resources/rates/. Contact one of our dedicated OakStar Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Account available only to residents of Missouri, Kansas, and Arkansas. Member FDIC
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