Get Started with Checking

Use your Check Card to make purchases or to get cash from ATMs. In CU Online, enroll in our online Bill Pay service, and deposit checks with a smartphone using our Mobile Banking app and our mobile check deposit service.

A Five Star Share Draft (checking) account has no monthly service fee when you:

  • Set up Direct Deposit of your payroll check, retirement check or Social Security payments
  • Or, maintain a $500 minimum balance

Accounts without Direct Deposit or not maintaining a minimum balance of $500 will be charged a monthly service fee, Members with checking accounts in good standing are eligible to use our online Bill Pay and mobile check deposit service.

Visit a Branch to Open a Checking Account

Your Check Card (debit card)

Use your Check Card to make purchases or as an ATM card to withdraw cash from your savings and checking accounts. Avoid ATM surcharges by using Allpoint ATMs or our ATMs in Saint Agnes Hospital and our Grace/Curtis Bay branch.

To activate your Check Card, make an ATM withdrawal or balance inquiry using your PIN, mailed separately from your card. Report a lost or stolen Check Card to 866-557-5413 as soon as possible.

Earn CU Rewards for "signature" debit card purchases

Build up CU Rewards points when you choose "credit" and sign for your Check Card purchases. (PIN transactions can't earn points). You'll earn one CU Rewards point for every net $4 spent on debit card "signature" purchases. (Earn even more points for credit card purchases: one CU Rewards point for each net $1 spent.) To check your points balance and redeem your points, register your debit card number on the CU Rewards website.

Credit Union Rewards

Allpoint Surcharge-Free ATMs

Five Star Federal Credit Union belongs to the Allpoint surcharge-free ATM network, with 55,000 ATMs in stores, pharmacies and gas stations. Visit the Allpoint website and type in your zip code or use our Mobile Banking app to find Allpoint ATMs.

Allpoint locations subject to change. Fees apply for cash advances made with credit cards.

Find an Allpoint ATM

Ordering Checks

We offer many designs for duplicate-style checks; the cost of different check styles will vary. Visit our online check ordering site or a branch office to order checks.

Overdraft Protection

Overdraft protection is provided for all checking accounts as a transfer from your Share Savings account. There is a nominal fee for overdraft protection transfers. Only six electronic transfers are allowed per month (including online, mobile, telephone teller and ACH).

If you have questions about overdraft protection transfers, please visit or call a branch.