Bank Star One : Savings Accounts

Golden Passbook
Platinum Passbook
Goal Savings
Basic Savings

Golden Passbook Bank Star’s Golden Passbook is a golden opportunity to earn a top-market Annual Percentage Yield (APY)* with FDIC-insured protection. In these volatile economic times, you should be taking advantage of smart money management with a Bank Star Golden Passbook (TM Reg.) Savings Account. A Golden Passbook gives you flexibility, accessibility, and a very competitive annual percentage yield on your money. $25,000 minimum balance to open Three withdrawals per quarter Quarterly statements Quarterly compounding High Annual Percentage Yield Unlimited deposits Holds funds during volatile market periods Golden Passbook Account holders can now also enjoy these added benefits: Everyday Rebate Rewards—Get cash back—simply by purchasing items you use everyday. Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies. At the end of quarter,send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% cash back.	Savings Calculator
Savers Club® and Grocery Coupons—Save up to 50% on rack-room rates at over 3,500 participating lodging properties from coast to coast. Plus, you’ll find discount offers from theme parks, and car rental companies. You will receive a new bargain-filled Savers Club Book every year. (See program rules of use for complete details.) Your Grocery Coupon Certificate Booklet entitles you to hundreds of dollars worth of grocery coupons annually. Choose from a list of around 1000 brand name coupons. H Rx Advantage™ Prescription Drug Program—YourRx Advantage card grants you preferred pricing on many prescription medications at participating pharmacies nationwide. And you’ll have the added security of our prescription drug-monitoring program alerting your pharmacist to important information about your prescription. (This program is not insurance.) Bonus Travel — Make travel plans and save money 24-hours a day. Use the 24-hour travel reservation service for the best fares. Save 5% to 25% by calling the Vacation Savings Hotline. Also receive cash bonus checks in the mail after completing trips arranged by Bonus Travel. Medical Emergency Data Card — Carry your vital health and medical information on this handy card wherever you go. It’s a quick reference for emergency personnel and you can update the card every year. Preferred Dental —Save 10%-40% on dental care at participating dental providers. No claims to file and no waiting for refunds. Discover why the Golden Passbook is the smart savings idea for the careful saver! Look at APY. Flexibility. Accessibility. Safety. Open your Golden Passbook Account TODAY! * $25,000 minimum balance. This is a tiered-rate account. Rates are subject to change on the first day of each calendar quarter. Notification of any rate change will be mailed to depositors via the U.S. Mail, 30 days prior to change. FDIC insured up to current limits. Member FDIC.
Truth-in-Savings Disclosure on Deposit Accounts Account Type: GOLDEN PASSBOOK SAVINGS ACCOUNT Rate Information Interest will be paid the rate shown below for the entire balance in the account. If Account Balance is: LESS THAN $25,000 Interest Rate: 0.20% Annual Percentage Yield: 0.20% If Account Balance is: $25,000 AND OVER Interest Rate: .35% Annual Percentage Yield: .35% Annual Percentage Yield is accurate as of 01/01/12. Fees could reduce earnings on the account. Frequency of Rate Changes Your interest rate and annual percentage yield may change every QUARTER. Determination of Rate Subject to change on the first day of each calendar quarter. Notification of any rate changes will be mailed to depositors via U.S. mail, thirty days prior to change. Compounding and Crediting Frequency Interest will be compounded QUARTERLY. Interest will be credited to your account QUARTERLY. Effect of closing account If you close your account before interest is credited, you will not receive the accrued interest. Balance Requirements to Open the Account You must deposit $25,000.00 to open this account. To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $.01 in the account. Daily Balance Computation Method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account. Accrual of Interest on Noncash Deposits Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks). Fees You may make three withdrawals per quarter at no charge. There will be a $10.00 fee for each withdrawal over three per quarter

Platinum Passbook

A new alternative to risky stock market investments.

Platinum Passbook Savings provides a safe investment, a good return, and easy access to your money.

This is a tiered-rate account

$100,000 minimum balance to open-this tier pays the highest rate

Balances below $100,000 pay a lesser rate, but interest is paid on all balances

Three withdrawals per quarter

Quarterly statements

Quarterly compounding

Unlimited deposits

A great place to hold funds during volatile market fluctuations

Business or personal accounts welcome

Fees may reduce earnings on this account

FDIC insured up to current limits

Truth-in-Savings Disclosure on Deposit Accounts
Account Type: Platinum Passbook

Rate Information
Interest will be paid the rate shown below for the entire balance in the account.
If Account Balance is: LESS THAN $100,000
Interest Rate: .20%
Annual Percentage Yield: .20%

If Account Balance is: $100,000 AND OVER
Interest Rate: 0.60%
Annual Percentage Yield: 0.60%

Annual Percentage Yield is accurate as of 01/01/12. Fees could reduce earnings on the account.

Frequency of Rate Changes
Your interest rate and annual percentage yield may change every QUARTER.

Determination of Rate
Subject to change on the first day of each calendar quarter. Notification of any rate changes will be mailed to depositors via U.S. mail, thirty days prior to change.

Compounding and Crediting Frequency
Interest will be compounded QUARTERLY.
Interest will be credited to your account QUARTERLY.

Effect of closing account
If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements to Open the Account
You must deposit $100,000.00 to open this account.
To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $.01 in the account.

Daily Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account.

Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks).

Fees
You may make three withdrawals per quarter at no charge.
An excess withdrawal fee of $25.00 will be imposed for each withdrawal in excess of three per quarter.
If the account balance falls below $10,000.00 anytime during the quarterly statement cycle, a $25.00 fee will be imposed.

Goal Savings Account

With Goal Savings, customers can sweep money from their Bank Star Checking Account on a weekly, twice-monthly or monthly basis into their Goal Savings account. The account earns interest and customers must also have a checking account at Bank Star. Minimum deposit to open is $100. Amount of regular transfer can be a little as $10. It's the easy way to save for new car, a down payment on a home, college tuition, a vacation or any goal!

Basic Savings Account

It pays to save, and our Basic Savings Account may be the perfect choice for you!

$100 to open
Interest is 0.10% APY * (Annual Percentage Yield)
Interest is compounded and paid quarterly
The daily balance method will be used to calculate the interest on your account.
You are allowed up to 6 withdrawals or transfers per quarter. After that, there will be a $1.00 fee for each withdrawal over the 6 per statement cycle (quarter).
Transfers or withdrawals include preauthorized or automatic transfers, telephone transfers, and transfers by check, debit card or similar order payable to third parties.
If the balance falls below $200 any day of the statement cycle (quarter), a fee of $3.00 will be imposed.
An overdraft fee may be imposed to this account. This fee applices to overdrafts created by in-person withdrawal, ACH withdrawal, or other electronic means as applicable. This fee does not apply to overdrafts created by ATM or everyday debit card transactions unless you affirmatively consent (opt-in) for us to authorize and pay those transactions.
The rate is effective as of April 1, 2012 and may change without notice. Additional fees may reduce earnings on the account.

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Bank Star One : Savings Accounts

Golden Passbook

Platinum Passbook

Goal Savings Account

Basic Savings Account