Checking

TwinStar’s taken a new approach to checking accounts – we’d rather reward you than take it back in fees.

When you use your debit card regularly, you can receive iTunes credits, Cash Back or a high dividend rate*. TwinStar offers other accounts with Identity Theft protection, special offers for seniors and a basic account for our members that prefer a simple checking account. Scroll down to see your options.

All checking accounts feature free online banking, free mobile banking, free telephone banking, free Bill Payer, Visa Debit cards, and unlimited check writing.

Girl jamming with tunes
Turn your checking account up a notch or five – make that $5 each month towards online shopping. Kasasa Tunes checking not only refunds your iTunes® and Amazon® purchases, we’ll refund your ATM fees, nationwide!*
Couple of friends enjoying a fun day
You can earn cash back on everyday debit card purchases every month, with none of the category restrictions like gas or groceries. Kasasa Cash Back checking puts money back in your pocket – up to $5 per month.
Happy friends are carefree
A higher yield, not more fees. Kasasa Cash checking pays up to 1.00% APY*. But that’s not all. We’ll refund your ATM fees, nationwide.* So you never have to search for a “free” ATM.
Prime Advantage offers benefits for members age 50 and older
You’ve worked hard to earn your money. We worked hard with Members like you to bring a suite of services to a checking account tuned for the needs of our members age 50 and older.
This woman and her dog prefer member's choice checking
More for your money. Member's Choice checking sweetens our basic checking with some valuable services you asked for.
Basic checking is perfect for this young couple
Our basic checking account was built on old adage ‘sometimes less is more.’ We know that sometimes all you need is a checking account.

Checking Account Benefits

Get more benefits with every account
Woman leaning on a counter while using her smartphone

Online and Mobile Banking

Manage your accounts from your computer or smartphone. The service is FREE, easy to use, and available 24/7.

Woman using card manager app to turn off her card

Card Manager

The power to control your cards is in your hands with the free Card Manager app. 

Bearded man sips tea while using Bill Pay to pay his bills on a tablet

Online Bill Pay

Paying your bills online is easy to use, and it's FREE for TwinStar Credit Union members. It's available 24/7 from your home computer or in our mobile app

* APY = Annual Percentage Yield. One Kasasa® checking per prime member age 18 and older. Rewards based on qualifications. $25 minimum opening deposit. Qualifications: 1) Conduct 12 debit card transactions that post and settle per qualification cycle. Please note that not all transactions are posted the same day they are conducted. ATM transactions and deposits/credits do not count toward the debit card transaction qualification. 2) Sign up for eStatements (valid e-mail address required) and accept the eStatement Consent to Electronic Delivery disclosure. 3) Access Online Banking at least once per qualification cycle. 4) Upon meeting account reward qualifications, dividends are compounded and credited monthly. Qualifications for rewards are calculated from the last day of the month to the day before the last day of the next month (qualification cycle). APY Range of 1.00%-0.16% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. Fees may reduce earnings. No ATM surcharge fees when check (debit) card is used at TwinStar ATMs. ATM fee(s) charged by non-proprietary ATMs will be reimbursed up to $20 per account per qualification cycle (applies to debit card ATM fees only – International transaction fees will not be refunded).

Kasasa Saver: * APY = Annual Percentage Yield. Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $10,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.05% interest rate on the portion of the balance over $10,000, resulting in 1.00% - 0.08% APY depending on the balance. APY Range of 1.00%-0.08% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Mobile and data rates may apply. Check with your provider. For details, please contact TwinStar Credit Union at 360.357.9911 or 800.258.3115. Federally insured by NCUA.