Our Regular Checking Accounts provide customers with the ease and convenience of increased purchasing power.

The monthly service charge is based on a flat fee tied to a minimum deposit balance. An Initial deposit of $100.00 is required.

Minimum Balance of –
     $ .00 to $100.00 - $6.00 service charge
     $101.00 to $200.00 - $5.00 service charge

     $201.00 to $300.00 - $4.00 service charge

If your balance stays above $300.00, there is no service charge.

2 Free Boxes of BANCLUB checks per year.  Money orders, Cashiers checks and Travelers checks are one-half price.  $10,000.00 accidental death insurance policy for a monthly fee of $7.00.  $30,000.00 in accidental  death insurance policy  is available or $9.00 a month. 

There is a $5.00 monthly maintenance charge on this account.

10¢ per check service charge
10¢ per hundred credit on minimum balance

Senior citizens can utilize a Regular Checking Account free from a monthly service charge.

(Customer is still responsible for paying insufficient funds charges)

Seniors are considered anyone 55 and over.

The Bank of Star City offers a variety of loan products to fit most of your borrowing needs. The following is a short list of loan types:

• Consumer Loans
  • Auto, Recreational Vehicles, Debt Consolidation
    
• Real Estate
  • Business, Rental Property (commercial, residential, mobile homes), Home Improvement (home equity for school, remodeling)
    
• Commercial Loans
  • Operating Loans, Business Equipment, Inventory
    

  All loans are subject to debt to income and collateral and credit  standards of the Bank of Star City.

Annual fees for safety deposit boxes –

• 3 x 5 box - $17.50
• 3 x 10 box - $32.50
• 5 x 5 box - $42.50
• 5 x 10 box - $42.50
• 10 x 10 box - $60.00
  

There is a $15.00 fee to replace lost keys.

The Bank of Star City gives customers the chance to use the most convenient money-handling and managing tool,  an ATM/Debit Card.

With this card, you —
· Can use money from your checking account, without ever writing a check.
· Can manage your money from almost any ATM terminal.
· Will no longer have to share a checkbook! Joint accountholders each receive a card.
· Avoid carrying large amounts of money, especially to establishments that will not take checks.
· Receive receipts for every transaction.
· Can use your card anywhere Mastercard is accepted.

As with any ATM card, there is no charge for service at any Bank of Star City ATM, and there are no charges associated with use of the BSC Debit Card at most businesses. However, surcharges may apply if used at ATMs from other financial institutions.

Take advantage of this service as soon as possible, and see what it can do for you! 

We offer a $300 “Overdraft Protection” on approved personal checking accounts.

The protection requires no action on your part. Customers’ accounts opened for more than 30 days and remaining in good standing (not excessively insufficient, etc.) will be reviewed as necessary by bank management. ODP (Overdraft Protection) will be placed on accounts meeting all required guidelines.

While we will charge our usual fee per item that overdraws your account, any checks amounting to less than $300 will be paid and not returned. This will benefit you by giving you peace of mind when unexpected expenses occur, honest checkbook mistakes are made, or you run short of cash between paydays and will prevent any additional fees for retailers to redeem unpaid checks. 

We offer various methods of IRA establishment-

•  Coverdell Education Savings Account (CESA) - Prior to 2001, this account was called an Education IRA. It is defined as an education assistance account established for the benefit of each child (known as a designated beneficiary) under the age of 18, which allows a maximum nondeductible annual contribution of up to $2000 beginning in year 2002. The earnings on the contributions accumulate tax-free if used for a qualified educational expense.
  
• Traditional IRA Account - An Individual Retirement Account established for the benefit of one person.
  
• Qualified Retirement Plan
  
• Regular Roth IRA - A retirement account established for the benefit of one person that allows a maximum nondeductible annual contribution of $3,000 to $6,000, depending on age and year.
  
• Savings Incentive Match Plan for Employees (SIMPLE) - The SIMPLE is a small business retirement plan where employees (including the employer) can make pre-tax contributions and receive matching employer contributions. Employee’s salary deferrals, employer’s contributions, and any investment earnings are not taxed until distributed to the employee. One of the funding options for the SIMPLE is through an IRA type account.
  
• Simplified Employee Pension Plan (SEP IRA) - Retirement account designed for small businesses or self-employed person to set up a retirement plan for themselves and all employees who meet qualifications. The employer makes tax-deductible contributions directly into the IRA of all eligible employees.