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An overdraft occurs when you do not have enough money in your account* to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
- We have standard overdraft services that come with your account.
- We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft services. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.
What types of transactions are covered by the standard overdraft service?
We DO authorize and pay overdrafts for the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
We DO NOT authorize and pay overdrafts for the following types of transactions unless you ask us to:
- ATM transactions
- One-time debit card transactions
It is important for you to know that we pay overdrafts at our discretion, which means we DO NOT GUARANTEE we will always authorize and pay any type of transaction. If we do NOT authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if STAR pays my overdraft?
Under our standard overdraft practices:
- We may charge you a fee of up to $37 each time we pay an overdraft.
- For retail customers, we limit the total number of overdraft/NSF fees to 6 ($222) per day per account.
What if I want STAR to authorize and pay overdrafts on my ATM and one-time debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and debit card transactions on your new checking account, answer "Yes" to that account question. You can change your selection at any time by calling (888) 395-2447.
*We determine whether you have enough money in your account for purposes of assessing overdraft fees based on your available balance. Please refer to the Terms and Conditions Overdraft Addendum of your Account Agreement for further information, including an explanation of how your available balance is determined under the Section entitled “Determining Your Available Balance.” If you cannot locate a copy of your Account Agreement or the Overdraft Addendum, please contact us at 1-800-395-7827 and will be happy to provide you a copy of these materials.
Overdraft Protection Plans
Scroll to the left to view the rest of the table.
| Courtesy Coverage |
Courtesy Coverage Plus | Courtesy Sweep | |
|---|---|---|---|
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Product Description |
Automatic overdraft service that strives to pay all your transactions, except one-time debit card and ATM transactions, when you don’t have enough money available in your account. | Upgrade to Courtesy Coverage Plus to allow one-time debit card and ATM transactions to be considered for payment when you don’t have enough money available in your account. | Money is automatically transferred to your checking account from a STAR savings or money market account up to your available balance, when needed. |
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Benefits |
Helps you avoid bouncing checks and unpaid ACH items. For example, if your rent check is for $500, but your available balance is only $390, we can make the decision to allow your check to clear, saving you the embarrassment or any additional bounced check fees from your landlord. It doesn’t cost anything unless you overdraw your account. |
Helps you avoid debit and ATM declines. For example, if you are at the grocery store and swipe your debit card at the checkout to purchase $100 worth of groceries, but your available balance on record is only $50, we can make the decision to allow your purchase to go through, saving you the inconvenience and embarrassment of declining your card. It doesn’t cost anything unless you overdraw your account. |
A Courtesy Sweep helps prevent declined transactions, returned checks or other overdrafts on your accounts for a low transfer fee. |
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Overdraft service allows the following to be considered for payment: |
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How to Activate |
Automatic | Enroll in person or by phone at (888) 395-2447 | Visit your nearest STAR Bank location to set up |
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Cost |
If you overdraw your account: $37 per overdraft STAR limits the number of overdrafts/NSF to 6 ($222) per day per account. |
If you overdraw your account: $37 per overdraft STAR limits the number of overdrafts/NSF to 6 ($222) per day per account. |
$10.00 per daily transfer Standard overdraft fees apply for overdrawn payment beyond your available balance. |
*We determine whether you have enough money in your account for purposes of assessing overdraft fees based on your available balance. Please refer to the Terms and Conditions Overdraft Addendum of your Account Agreement for further information, including an explanation of how your available balance is determined under the Section entitled “Determining Your Available Balance.” If you cannot locate a copy of your Account Agreement or the Overdraft Addendum, please contact us at 1-800-395-7827 and will be happy to provide you a copy of these materials.