This checking account earns 5.00% APY on balances below $25,000 when monthly qualifications are met: 15 debit card purchases, 1 ACH debit or credit, enrollment in e-statements, and online banking login. Balances of $25,000 and above earn a tiered rate from 5.00% to 1.63% APY. If qualifications are not met, the entire account earns 0.05% APY.
Eligibility
How to get the Oakstar Bank Star Rewards Interest rate
- Make at least 15 debit card purchases each month.
- Receive at least 1 ACH debit or credit.
- Enroll in and agree to receive e-statements.
- Enroll in and log into online banking.
The fine print that matters
- Rates are variable and may change without notice.
- Interest is credited on the last day of the statement cycle.
- A $5 paper statement fee applies per statement cycle if not enrolled in estatements.
- If linked to a Star Rewards Interest Savings account, interest does not compound in checking.
- If qualifications are not met over 6 consecutive statement cycles, account type change may occur.
- $25 minimum deposit required to open the account.
- This account is not for commercial use.
- Without the monthly qualifications the rate is 0.05% APY.
Verification and reports
Confirmed against oakstarbank.com on Aug 19, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
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Sources: oakstarbank.com rate page (checked Aug 19, 2026)