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  • Minimum of $1 to open
  • Unlimited check writing
  • Sign up for any automated service including online banking, direct deposit or a debit card*

Interest Checking

  • Minimum of $1 to open
  • Tiered, variable rates of interest earned on a daily balance of $1,000 or more
  • Unlimited check writing
  • $8 monthly minimum balance fee if account balance falls below $1,000

Senior Checking (Age 60+)

  • Minimum of $1 to open
  • One free box of standard checks per year
  • Unlimited check writing


Click here to order checks through our partner Deluxe Financial Services.

Debit Card*

A debit card from Northstar Bank gives you 24-hour access to your money. Get instant cash when you need it by using your debit card to make ATM withdrawals or use it at any merchant worldwide that accepts MasterCard.

  • Tied directly to your checking account
  • Faster and more convenient than writing a check
  • Money is automatically deducted from your account
  • Get cash back from participating merchants

Are you traveling soon? Need a limit increase?  Click here for more information.

3-D Secure

3-D Secure (3DS) is a program that helps confirm your identity when you make an online purchase with your Debit MasterCard® at a 3DS participating merchant. This service helps make shopping online more secure by protecting against unauthorized use of your card. There's no need to download anything, install software or register.

During an online purchase, you may be guided through an extra check to verify your identity. If you encounter this extra step, simply follow the instructions on your screen. This helps us ensure you're you and better protect you from fraud.

Overdraft Protection

At times, unanticipated or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. You can protect yourself against the cost and inconvenience of returned checks and other overdraft charges with personal overdraft protection products from Northstar Bank.

STAR Protection**

When your Northstar Bank checking account is overdrawn, an automatic advance is made from your personal demand deposit loan to your checking account.

Account Sweep^

If you overdraw your Northstar Bank checking account, we will automatically transfer the amount you need from another Northstar Bank deposit account to your checking account.

Bounce Protection

It is Northstar Bank’s practice to encourage financial soundness and planning. If you have been paying multiple overdraft fees, there may be less expensive products that may be better suited for your needs. 

Please call to discuss other options with a customer service representative or visit us at your local branch. We offer a special overdraft privilege for checking account customers.

At Northstar Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That's why we provide "Bounce Protection," a special overdraft privilege service for Northstar Bank checking customers.

Northstar Bank generally will honor overdrafts up to the Bounce Protection limit on your account. There is no cost associated with this privilege unless you use it. You should keep in mind, however, that you will be charged the standard NSF fee of $36 for each item paid under the limit. Bounce Protection is a non-contractual courtesy which is available to individually/jointly owned accounts in good standing for personal or household use. Northstar Bank reserves the right to limit participation to one account per household and to discontinue this service without prior notice. 

We charge a fee for any item which creates an overdraft on your account whether the item is a check, in person withdrawal, ACH-auto debit or a recurring debit. ATM and everyday debit card transactions are available to be paid upon your written request. Call 989.269.8077 or visit one of our branches to arrange for your ATM and debit card coverage. We will assess a $36 overdraft item fee for each item that we pay that creates or increases an overdraft on your account. We will also assess a $36 return item fee for each item presented against insufficient funds that we return unpaid regardless of the type of item. If you do not bring the balance in your account positive within 30 days, we may end your participation in our Bounce Protection program. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you are not making regular deposits, or you have too many overdrafts.

Money Smart

This is a financial education tool sponsored by the FDIC. Click here to participate in the program.

*Subject to approval . **$10 ODP advance fee. Star Protection Line of Credit is a contractually agreed upon line of credit that is accessed to pay overdrafts up to a set limit. See a bank employee for additional information. Subject to credit approval. ^$10 sweep transaction charge

Northstar Bank. Guiding the Way.

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