Personal Banking


Regular Checking

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 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 you balance remains above $300.00, there is no service charge.

Senior Account (55 or Older)

There is no service charge on our regular checking account and free (plain wallet) checks.

Star Checking

2 free boxes of Club checks per year, money orders, cashiers checks are half price, small safe deposit box half price if available. Star Checking Account has a $20,000.00 accidental death and dismemberment insurance policy plus $1,500.00 dependent children AD&D coverage. Identity Theft 911 services, retail & restaurant savings, grocery coupons and travel & attraction benefits. Monthly service fee $8.00, members 55 or more pay $4.00 a month.

One Account

Unlimited check writing. There is no service charge if the account balance stays above $1,000.00, if the account falls below $1,000.00 there will be an $8.00 service charge.


Regular Savings

Minimum deposit to open account -- $50.00

  • Our regular savings account pays daily interest compounded quarterly.
  • A balance of $50.00 must be maintained at all times for interest to be paid to the account.
  • There will be a $2.00 charge per withdrawal in excess of 3 per quarter.

If the account balance falls below $10.00, there will be a $5.00 service charge. A maximum of six withdrawals a month to keep Savings Account Status.

Super NOW

This account requires a minimum balance of $1,000.00; if the balance falls below $1,000.00, there is an $8.00 service charge.

There is no charge for the first twenty checks written, but those in excess of twenty are 10ยข each.

Hy-Fi Money Market

This account requires a minimum initial deposit of $1,000.00; if the balance fall below $1,000.00, there will be an $8.00 service charge.

Restrictions include: Only six checks and preauthorized transactions allowed per statement cycle. However, there is no limit to the number of transactions handled directly by the customer in the bank.

Investment Money Market

Same features as our Hy-Fi Money Market, except interest is paid on a tiered scale.

  • $50,000.00+
  • $10,000.00 to $49,999.00
  • $1,000.00 to $9,999.00

Health Savings

A special account owned by an individual where contributions to the account are to pay for current and future medical expenses. There is unlimited check writing with no service charge.


Certificates of Deposit and IRAs

Contact any location for rates and terms on CDs and IRAs.



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

  • Auto
  • Recreational Vehicles
  • Debt Consolidation
  • Real Estate


ATM/Debit Cards

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 account holders each receive a card.
  • Avoid carrying large amounts of money, especially to establishments that will not take checks.
  • 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!

Personalize your Debit Card with MyPics

A $15.00 fee will be charged to your account for a MyPics Debit Card at the initial time of creation and at renewal. If your card is a joint card, your expiration date will not move forward. This will cause you to have an additionally $15.00 fee charged to your account when your cards renew.

1X1  (Click to launch MyPics)

2X2  (Click to launch MyPics)

Edge to Edge  (Click to launch MyPics)


Overdraft Protection

We offer a $300.00 "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 $300.00 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.

Safety Deposit Box

Annual fees for safety deposit boxes:

  • 3 x 5 box - $17.50
  • 3 x 10 box - $32.50
  • 5 x 5 box - $22.50
  • 5 x 10 box - $42.50
  • 10 x 10 box - $60.00

There is a $15.00 fee to replace lost keys.

Telephone Banking , Community Bulletins, Time and Temperature

The Bank of Star City offers a convenient telephone banking service for all its customers. With this service, balance, check, and rate inquiries on a variety of accounts are available to customers, along with the transfer of funds between accounts, the local time and temperature, and a community bulletin board.