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  Northstar Credit Union Checking Account

Northstar Credit Union Checking Account

in Checking Accounts from Northstar Credit Union

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Northstar Credit Union Checking Account

Unaffiliated

in Checking Accounts from Northstar Credit Union

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Highlights
Monthly Fee $0 - $5
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.1% - 3%

Northstar Credit Union Checking Account Review

Northstar Credit Union Checking Account is offered by Northstar Credit Union, a credit union founded in 1971 and based in Warrenville, IL. Northstar Credit Union Checking Account is available in 1 state across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 3%, which is much higher than the average for a checking account.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $5, but there are ways to waive the fee.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Northstar Credit Union.
Northstar Credit Union Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • High-interest yield.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Northstar Credit Union FAQ

Are checking accounts from Northstar Credit Union federally insured?

No, your Northstar Credit Union checking accounts are not insured by a federal insurance agency. This means that if Northstar Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Northstar Credit Union offer?

Northstar Credit Union offers an APY starting at 0.1% and ranging up to 3% (APY stands for annual percentage yield, rates may change).

Northstar Credit Union Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.1% - 3%

What are the account minimums for Northstar Credit Union?

Northstar Credit Union does not require a minimum initial deposit.

Northstar Credit Union Account Minimums
Description Amount
Minimum Opening Deposit $0

What fees does Northstar Credit Union charge?

The good news is that this account does not have a monthly Service Charge.

Northstar Credit Union Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $10
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $5
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $2.50
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $22
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $0

Does Northstar Credit Union charge overdraft fees?

Yes, Northstar Credit Union charges a $30 fee for every overdraft.

What features and perks does Northstar Credit Union offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Northstar Credit Union allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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About Northstar Credit Union Checking Account

Availability

  Available in 1 state
Illinois
Availabile in all of Illinois

Feature Breakdown

ATM Fee: In-Network $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Debit Card Replacement Fee $10
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $5
NSF Fee $30
Overdraft Item Fee $30
Paper Statement Fee $2.50
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $22
Wire Transfer Fee - International (Outgoing) $40
Bank Account Features
  • ATM Reimbursement
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0.1% - 3%

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