Checking That Works for You
No hidden surprises. No complicated rules. Just smart checking accounts designed to fit your life — from everyday free checking to accounts that earn you money.
No Hidden Fees
Transparent pricing with no gotchas
Earn While You Spend
Select accounts pay you monthly dividends
Bank Anywhere
Free mobile banking, online access, and thousands of surcharge-free ATMs
Federally Insured
Your deposits insured up to $250,000 by NCUA
Free Checking
Everyday banking, zero monthly fees. Best for members who want simple, no-cost checking.
Perks:
- No monthly maintenance fee
- Free Visa debit card
- Free online & mobile banking
- Free bill pay
- Overdraft protection available
- Just sign up for E-Statements — that's it.
Advantage Checking
Full-featured checking with low minimums. Best for members who prefer paper statements or want extra flexibility.
Perks:
- No fee with just $500 balance
- No E-Statement requirement
- Free Visa debit card
- Free online & mobile banking
- Overdraft protection available
- Under 23? Monthly fee waived
Interest Checking
Your balance works as hard as you do. Best for members who keep a higher balance and want to earn on it.
Perks:
- Earn monthly dividends on your balance
- Dividends compounded and credited monthly
- Free Visa debit card
- Free online & mobile banking
- Overdraft protection available
- Under 23? Monthly fee waived
- Maintain $1,000 daily balance to earn APY
Fresh Start Checking
Bank with confidence — no surprise charges. Best for members rebuilding their financial history.
Perks:
- No overdraft fees — ever
- No NSF fees — ever
- Free Visa debit card
- Free online & mobile banking
- Free bill pay
- Under 23? Monthly fee waived
- Simple $5/mo fee — and that's the only fee you'll see.
Educator Interest Checking
Because those who give the most deserve the most. Best for teachers and school employees in Broward County.
Perks:
- Earn monthly dividends
- No monthly maintenance fee
- No overdraft fees
- No NSF fees
- Free Visa debit card
- Part of our full Educator Benefits package
- Our way of saying thank you to educators.
Youth Checking
The smart way to start banking. Best for teens ages 13–17 ready to learn money management.
Perks:
- Learn to budget and save early
- Free Visa debit card
- Free online & mobile banking
- Parental oversight features
Free Visa Debit Card
Shop in-store, online, and worldwide. Tap to pay, mobile wallet compatible. Visa Zero Liability fraud protection.
Free Online & Mobile Banking
Check balances 24/7. Transfer money between accounts. Deposit checks from your phone.
Free Bill Pay
Pay any bill from one place. Schedule one-time or recurring payments. Never miss a due date.
Free Direct Deposit
Get your paycheck up to a day early. Funds available the day we receive them. Set it once and forget it.
Thousands of Surcharge-Free ATMs
BrightStar CU ATMs, Publix Presto! ATMs, CULIANCE/CUHere network, and MoneyPass network.
Security You Can Trust
Visa fraud monitoring, instant card lock/unlock, real-time transaction alerts. NCUA insured to $250,000.
2. Apply
Open online in under 10 minutes — or visit any branch. You'll need a valid ID and your Social Security number.
3. Enjoy
Set up direct deposit, download the app, add your card to your mobile wallet — and start banking better.
Got Questions? We've Got Answers.
Find answers to common questions about our checking accounts and services.
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Ready to Bank Brighter?
Federally insured by NCUA to at least $250,000. Open your account today and experience the BrightStar difference.