GoldStar® Checking

GoldStar® Rewards Checking offers members higher earnings on savings and lower rates on loans. Additional discounts on selected CU Services are also available to GoldStar® Reward members.

Member MUST have a GoldStar® Share Account and meet the minimum requirements to be considered as a Qualified GoldStar® Rewards Checking Account:

Minimum Requirements

Members may qualify through one (1) of the two (2) options below:

Option 1: A $2,500 Average Daily Balance required. (to avoid $10.00 monthly maintenance fee)


Option 2: Active Checking Account: (MUST have all 3 requirements to avoid the monthly $10.00 maintenance fee)

  • Requirement 1:  5 Transactions per month (to include VISA Debit and/or Credit Card transactions and all ACH/EFT transactions)
  • Requirement 2: $300 Direct Deposit (minimum can be an aggregate of $300)
  • Requirement 3: (1) Loan Product – Any consumer loan to include overdraft loans.

Product Fees

General Account Fees

  • Account subject to all General Account Fees: (Refer to Services Fee Guide)
  • Monthly Inactive Account Fee (180 Days with no transactions): $4.00
  • Monthly Return Statement / Bad Address Fee: $4.00
  • Non-Qualified GoldStar® Rewards Checking Maintenance Account Fee
    GoldStar® Rewards Checking Accounts that do not meet the minimum requirements are considered as a “non-qualified” GoldStar® Rewards Checking account and subject to the following: $10 monthly maintenance fee and account may no longer receives benefits on current or additional new products until the account is qualified.
  • GoldStar® Rewards Checking Service Fee: Switching GoldStar® Checking to another checking product or closing the GoldStar® Rewards Checking Account may be subject to a one-time $25 Account Service Fee.

Product Features

  • Dividends are compounded on the Average Daily Balance of $500.00 or more.
  • Dividends are paid on balances over $500 and are paid monthly.
  • Overdraft protection available. (OAC)
  • Courtesy Pay Available, (Credit Union Discretion)
  • Monthly itemized statement.
  • Funds are Federally insured by the National Credit Union Administration. (NCUA)

Product Benefits

Qualified GoldStar® Checking Accounts are eligible to receive the GoldStar® Rewards Checking Benefits:

  • Share Certificates – 0.10% Rate Premium.
  • Auto and Personal Loans – (Discount rated tiered based on Approved Credit)For Rates – Refer to the Rate Match and Rate Reduction Procedure
  • Monetary Services – (1/2 off) Discount Rate: Statement and Account History Print, Travelers Money Cards. Money Orders and Cashier’s Checks and Counter Checks.
  • Safe Deposit Box – 20% Discount Rate.
  • Access to NO COST Identify Theft and Recovery Services. (Member must activate the credit monitoring)
  • Free e-Statements.
  • Free online banking and online bill-pay.
  • Free mobile banking with remote deposit capture.
  • Free unlimited check writing.
  • VISA® Debit card with unlimited transactions.
  • Free account access at over 2800 ATMs.

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© 2021 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

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