Record Keeping is Simple and Accurate
Every time you use your Bank Star Debit Card, you get a receipt. All your purchases and ATM transactions are then completely itemized on your monthly statement. All the detail is recorded where you used your card, the date and the purchase amount. Tracking expenses and how much you spend is easy.
Added Debit Card Protection
For added debit card protection, get enhanced security from MasterCard. To sign up, click on the appropriate link below:
Simply complete and return an application or visit any location to apply for your Bank Star Debit Card. When approved, you will receive your Bank Star Debit Card by mail. Your PIN (Personal Identification Number) will arrive in the mail separately a few days later. For your account security, you will need to contact the bank to activate your card. You may use the PIN that has been assigned to your account or come by the bank and select a PIN to start using your Bank Star Debit Card immediately.
What You Need to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a paid transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
- We have standard overdraft practices that come with your account.
- We also offer overdraft protection plans, such as a link to another deposit account or a line-of-credit loan, which may be a less expensive option than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
- Check and other transactions made using your checking account number
- Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
- ATM transactions
- Everyday debit card transactions
We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction that results in an overdraft.
If we do not authorize an overdraft, your transactions will be declined.
What fees will be charged if bank Star pays my overdraft?
Under our standard overdraft practices, any transaction that results in an overdraft of $5.01 or more, will result in a charge of up to $29.75 per item. There is a limit of 6 items per account per day on which fees will be charged for overdraft.
What if I want Bank Star to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want Bank Star to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below or call
- Bank Star of Pacific: 636-257-2265
- Bank Star One: 573-642-3352