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Personal Checking Accounts
Money Management Made Just for You
At Investar, we are committed to providing you with a complete array of personal banking services that's just that—personal. That's our promise to each customer and the way we make banking, brilliant.
All of the accounts listed below have the following complimentary benefits:
- Electronic banking: Online, bill pay, mobile, telephone and text banking*
- Mobile check deposits (must meet eligibility criteria)
- Visa® debit card, available upon request
- eStatements
- Unlimited Check Writing
- Check Ordering: conveniently order checks through your Online Banking Login
- If you view this page on your phone, please turn it to landscape to view the comparison table
* Data rates may apply.
PERSONAL CHECKING AT A GLANCE
| Investar Checking | Investar Student Checking | StarLit Youth Checking | Assured Checking | Investar Plus Checking | Star Simple Checking | Star Legacy Checking (50+) | |
|---|---|---|---|---|---|---|---|
| Interest Bearing | ★ | ★ | ★ | ★ | |||
| Minimum to Open | $100 | $100 | $25 | $500K | $100 | $100 | $100 |
| Service Charge(s) | $131 | None | None | N/A | $152 | $103 | $54 |
| Minimum Balance to Earn Interest | N/A | N/A | N/A | $0.01 | $0.01 | $0.01 | $0.01 |
| Minimum Daily Balance to Avoid Service Charges | $1,500 | N/A | N/A | N/A | $2,500 | $2,500 | $500 |
| Free Debit Card(s), Online Banking, Mobile App, eStatements | ★ | ★ | ★ | ★ | ★ | ★ | ★ |
1 - $13 Monthly Minimum Balance Fee waived if a minimum daily balance of $1500 is maintained or Personal CK/SAV/MMDA has minimum daily balance of at least $5000. (excludes CDs/IRAs)
2 - $15 Monthly Minimum Balance Fee waived if a minimum daily balance of $2500 or Personal CK/SAV/MMDA has minimum daily balance of at least $5000. (excludes CDs/IRAs)
3 - $10.00 Monthly Service Charge Fee waived if a minimum daily balance of $2500.00 is maintained.
4 - $5 Monthly Service Charge Fee waived if a minimum daily balance of $500.00 is maintained.
BASIC CHECKING
For Your Everyday Banking Needs
- Minimum to open $100
- Monthly minimum balance fee of $13*
*Monthly minimum balance fee is waived when account balance is $1,500 or more each day of the statement cycle OR if your personal Investar checking, savings or personal money market account balance is $5,000 or more (excludes all CDs & IRAs) each day of the statement cycle.
INTEREST EARNING ACCOUNTS
The Next Step Toward Your Financial Future
- Minimum to open $100
- Any balance of at least $0.01 earns interest^
- Monthly minimum balance fee of $15*
- Unlimited official checks
^Tiered interest rate based on account balance
*Monthly minimum balance fee is waived when account balance is $2,500 or more each day of the statement cycle OR if your personal Investar checking, savings or personal money market account balance is $5,000 or more (excludes all CDs & IRAs) each day of the statement cycle.
- Minimum to open $100 with new funds not already with Investar^
- Any balance of at least $0.01 earns interest
- Monthly minimum balance fee of $10*
^To open this account, we require a deposit of new funds (new account number is required) not currently on deposit with Investar or the account must be funded with proceeds from an Investar certificate of deposit.
*Monthly minimum balance fee is waived when account balance is $2,500 or more each day of the statement cycle.
SPECIALTY ACCOUNTS
For a Variety of Individuals
An account designed for customers age 50 and better.
- Minimum to open $100
- Any balance of at least $0.01 earns interest
- Monthly minimum balance fee of $5*
*Monthly minimum balance fee is waived when an account balance is $500 or more each day of the statement cycle.
For students 18+ years of age with proof of current student status presented at account opening*
- Minimum to open $100
- No monthly statement cycle service charge
*Account converts to Investar Checking when account holder turns 24 years of age
For teens between 13-17 years of age, this account* is designed to help teens take their first steps toward managing their own money and learning how to become financially responsible. It's available to children of Investar customers; a parent or legal guardian must be a co-owner on this noninterest bearing account when opening at a branch.
- Minimum to open $25
- No minimum monthly balance
- No monthly fee
- No checks
- Visa debit card, upon request
- Free paper statements & eStatements
* Account converts to Investar Student Checking when account holder turns 18 years of age
This account is designed to provide millions of dollars of FDIC deposit insurance protection through a fully automated cash management account.
- Minimum to open $500,000
- Any balance of at least $.01 earns interest
- No transaction volume limitations
- No monthly statement cycle service charge
To open an account listed above, visit a branch or apply online.
For more info, call 866.604.2006.