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Still paying for checking? WHY?! It's time for some Common Cents. Common Cents Checking - A simple way to get paid CASH for your everyday banking.

Checking Accounts

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Common Cents Checking

Ultimate High Yield Checking

Kick$tart Checking

Best for you if… You rely on your debit card for your day-to-day purchases and you prefer to access your account on the go. Seems like Common Cents that you should earn a little something along the way too!
You're technology driven and financially savvy!  You carry a higher average balance in your checking and want to make your money work harder!

You're a teen, age 14-17, looking for a little Kick$tart to grown up banking.  You want easy access to your account, but you also want to make smart savings decisions and get rewarded along the way!

Minimum Balance $0.00  $0.00 $0.00
Monthly Maintenance Fee $0.00  $0.00 $0.00
Interest Bearing -  Yes
2 Earn 2.47% on balances up to $10,000; .15% on balances over $10,000.01 when qualifications are met
Debit Card Rebates Yes
1Earn $0.10 for each signature based purchase over $10.00 when qualifications are met
Receive foreign ATM rebates up to $5 per month.

Earn $0.10 for each signature based purchase over $10.00

Star Rewards Benefits
Unlimited Check Writing Yes  Yes -
Access to America's Largest Surcharge Free ATM Network Yes  Yes Yes
Access to over 5,000 shared branches nationwide through Co-Op shared branching Yes  Yes Yes
Free Visa® Debit Card *Subject to approval Yes  Yes Yes
Free It's Me 24/7 Online Banking Yes  Yes Yes
Free EasyPayOnline Bill Pay Yes  Yes Yes
Free CU*Talk Audio Response Yes  Yes Yes
Free E-Statements 
Yes  Yes Yes
Free Account-2-Account ("A2A") Incoming Transfers Yes  Yes Yes
Free Mobile Deposit ("NSCU Deposit") *Subject to approval Yes  Yes Yes
Free Debit Card Round-up to a Savings of Your Choice Yes  Yes Yes
Additional Details Terms & Conditions

Free & Fee Schedule
Terms & Conditions

Free & Fee Schedule
Terms & Conditions

Free & Fee Schedule

1Account holders will earn $0.10 for every signature-based debit card transaction over $10.00 that posts and settles during each monthly statement cycle.  Qualifications to earn rebates:  e-Statements, and at least one login to It's Me 24/7 online banking each statement cycle.  Rebates will be credited to account on the last day of monthly statement cycle. If qualifications are not met, rebates will be forfeited.

2APY=Annual Percentage Yield. APY accurate as of 7/01/2017. Rates may change after account is opened. Qualifications to earn interest: 12 signature-based debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to It's Me 24/7 online banking each statement cycle. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle;  balances up to $10,000 receive APY of 3.00%; and balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.22% - 3.03% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY.  Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Limit one account per SSN.  Excludes business and commercial accounts.

Switch Kit

Move your existing accounts to Northstar!

Get all the documents you need to make the move easy.

View our rates.

Contact a Financial Services Representative to open a checking account today!

*Overdraft charges may occur in the event of overdrafts.


Main Street Checks

We've heard you! Members have recently expressed concern about the cost of both checks and shipping with our check printing vendor.  Therefore, we are excited to share, effective April 1, 2016 NorthStar has switched to Main Street for check orders.   


If you have already placed an order with NorthStar after April 1, 2016 you may reorder your checks online! However, if your last order was prior to April 1, 2016 you will need to contact a member of our team to place your initial order with Main Street.  

For security purposes, you will not be allowed make any changes to your order if you are placing a reorder online. If you would like to change your address, name, check style, etc., please contact one of our Financial Service Representatives at 800.983.6828. ext. 213.



Are you interested in opening a checking account?


Whether you are opening an account for the first time or you’ve had one in the past, this course can help you understand how an account can benefit you, different options you may face, and how to deal with challenges along the way.

Follow Veronica and Nicholas as they interact with their new accounts. Based on real-life stories, these two characters deal with common barriers. They use each of these barriers as an opportunity to learn how to deal with these challenges.

In this course, you will learn:

    – The benefits of mobile account management
    – Which credit card to use and when
    – How to deal with an overdraft
    – What ChexSystems is
    – How to clear items from Qualifile

Estimated time to complete: 10 min