Hand writing a check

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

Account FeatureInvestar CheckingInvestar Student Checking 1StarLit Youth Checking 2Health Savings Account 3Investar Plus CheckingStar CheckingStar Simple CheckingStar Legacy Checking (50+)4Assured Checking5
Interest Bearing ★ ★ ★ ★ ★
Minimum to Open $100 $100 $25 $100 $100 $100 $100 $100 $500K5
Service Charge(s) $136 None None $3 $156 $77 $10 $5 N/A
Minimum Balance to Earn Interest N/A N/A N/A $1,500 $2,500 $100 $2,500 $500 N/A5
Free Debit Card(s), Online Banking, Mobile App, eStatements ★ ★ ★ ★ ★ ★ ★ ★ ★

1 — Account is for stu­dents 18 – 23 years of age with proof of cur­rent stu­dent sta­tus at account open­ing.
2 — Account is for teens between 13 – 17 years of age with proof of cur­rent stu­dent sta­tus at account open­ing. A par­ent or legal guardian must be a co-own­er min­i­mum on the non-inter­est bear­ing account.
3 — Non-inter­est and inter­est bear­ing options avail­able.
4 — Cus­tomers must be ages 50 and old­er to open this account.
5 — Offers extend­ed FDIC insur­ance cov­er­age. See a Trea­sury Man­age­ment Sales offi­cer for details.
6 — Month­ly Ser­vice Charge Fee waived if state­ment cycle min­i­mum bal­ance met or Per­son­al CK/SAV/MMDA has a min­i­mum dai­ly bal­ance of at least $5,000. (excludes CDs/​IRAs)
7 — Month­ly Ser­vice Charge Fee waived if all 3 qual­i­fiers are not met. Qual­i­fiers are: Enroll­ment in eState­ments, receive an exter­nal ACH direct deposit/​Credit month­ly, and com­plete 10 deb­it card point of sale trans­ac­tions that post and clear the account per state­ment cycle. 

BASIC CHECKING For Your Everyday Banking Needs

  • Min­i­mum to open $100
  • Month­ly min­i­mum bal­ance fee of $13*
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*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  For Your Everyday Banking Needs

  • Min­i­mum to open $100
  • Any bal­ance of at least $0.01 earns interest^
  • Month­ly min­i­mum bal­ance fee of $15*
  • Unlim­it­ed offi­cial checks
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^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*
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^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 $2500 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*
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*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
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*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
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* Account con­verts to Inves­tar Stu­dent Check­ing when account hold­er turns 18 years of age

This account pro­vides the pre­dictabil­i­ty of a low, flat month­ly fee with no over­draft or non-suf­fi­cient fund fees.

  • Min­i­mum to open $25
  • $5 per month­ly state­ment cycle ser­vice charge
    • The state­ment cycle ser­vice charge of $5 will be waived if the bal­ance in the account is $100 or more each day of the state­ment cycle or if at least one direct deposit (pay­roll, Social Secu­ri­ty, etc.) is made to the account each state­ment cycle.
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* Account must be opened at a branch

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
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To open an account list­ed above, vis­it a branch or apply online.
For more info, call 866.604.2006.

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