Best Missouri Bank - Bank Star One  
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Bank Star Savings Accounts

Bank Star offers two savings accounts that allow our customers to earn top-market Annual Percentage Yield with FDIC-insured protection. Compare the two accounts to determine which is the best fit your needs!

We invite you to visit your local Bank Star branch to learn more about available savings accounts and other products.

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


Open your Golden Passbook Account TODAY!


* $25,000 minimum balance to open. 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.

 

Savings Calculator
 


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: 0.10%
Annual Percentage Yield: 0.10%

If Account Balance is: $25,000 AND OVER
Interest Rate: .25%
Annual Percentage Yield: .25%

Annual Percentage Yield is accurate as of 07/01/12. 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

Savings Calculator


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: .10%
Annual Percentage Yield: .10%

If Account Balance is: $100,000 AND OVER
Interest Rate: 0.45%
Annual Percentage Yield: 0.45%

Annual Percentage Yield is accurate as of 07/01/12. 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). This rate is effective as of April 1, 2012. Rates may change after the account is opened wihtout notice. Any fees may reduce earnings on the account.
  • 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 applies 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.

Hey Kids!

Bank Star has a new savings account designed especially for YOU!

Not only do you have your own savings account that earns interest, you have your very own Kids Savings Club* passbook! You can open with as little as $10 plus you get a free gift. And you earn points with every deposit and with every “A” grade in school! You can redeem your points for special prizes or save them up for something bigger!

Open your Kids Savings Club today! “Guaranteed to make you smile!”

*Ages 3 to 15 are eligible. Adult must be on the account. All deposits must be made in person. Account earns interest on the entire balance. Interest will vary depending on market conditions.

In compliance with the Children's Online Privacy Protection Act (COPPA), Bank Star does not knowingly collect, use or share personal information from children under the age of 13 through its website.

Fun Facts About Money:

  • If you had 10 billion $1 notes and spent one every second of every
    day, it would require 317 years for you to go broke.

  • A million $1 bills weigh 2,200 pounds.

  • The life span of a $1 bill is about 22 months.

  • In 1919, the average income in America was around $650 per year.

 

 
   
 
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