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:
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.
- 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.
- 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)
- 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.