Personal Checking

Reward Plus Checking

Earning competitive interest sounds good — getting interest on top of what you’ve already earned sounds even better. Reward Plus Checking links to your Reward Checking account so that your interest and ATM refunds automatically transfer.

There’s no monthly service fee or minimum balance requirements. Double up on your rewards today.

Summary

It’s Simple to Earn Rewards!

Meeting qualifications for your Northstar Reward Checking account automatically qualifies you for Reward Plus too. You qualify1 when, in each qualification statement cycle for Reward Checking, you perform the following transactions and activities: 

  • Ten (10) or more debit purchases are posted and cleared to your account
  • At least one (1) Direct deposit OR one (1) ACH Auto Debit posted and cleared to your account
  • Log in to Online Banking at least once
  • Maintain e-Statements 

Qualification cycles end one day prior to the 3rd Wednesday of each month. A schedule of qualification cycle dates can be found under "Qualification Dates" on this page.

Qualification Dates
Monthly Qualification Cycle Completion Date Monthly Qualification Cycle Beginning Date
January 19, 2016 January 20, 2016
February 16, 2016 February 17, 2016
March 15, 2016 March 16, 2016
April 19, 2016 April 20, 2016
May 17, 2016 May 18, 2016
June 14, 2016 June 15, 2016
July 19, 2016 July 20, 2016
August 16, 2016 August 17, 2016
September 20, 2016 September 21, 2016
October 18, 2016 October 19, 2016
November 15, 2016 November 16, 2016
December 20, 2016 December 21, 2016

¹If you do not meet the minimum qualifications per monthly qualification cycle your account will still function as a standard checking account; however, it will not receive ATM fee refunds and a lower interest rate will be applied to your entire balance for that time period. Your ATM fee refunds are unlimited in number, and are limited to $4.99 per transaction fee. Fees may reduce earnings. We may change the interest rate and APY at any time after the account is opened. No minimum balance is required to earn the Annual Percentage Yield; however, you must deposit a minimum of $100 to open this account. Available to personal accounts only. Only one (1) Reward Checking and one (1) Reward Plus Account per customer. The Annual Percentage Yield (APY) disclosed on the Reward Checking account assumes that interest earned in the Reward Checking compounds. However, by choosing to have the Reward Plus linked to Reward Checking, you understand that the interest earned in your Reward Checking is automatically transferred into your Reward Plus account at the end of the statement cycle, and therefore, does not remain in your Reward Checking account, and does not compound. Additionally, you understand that the interest amount earned in Reward Plus account may be less than the interest amount earned in the Reward Checking account. Interest rates will be paid only for that portion of your daily balance that falls within each range. The annual percentage yield will range depending on the balance in the account. For example, a Reward Checking Account (that meets its monthly qualification – see Account Information Guide for details), with a balance of $12,000 will be paid the following. $10,000 will accrue at one rate and the remaining balance of $2,000 will accrue at another rate - creating a blended rate. Monthly Qualification Cycle means a period ending one day prior to the 3rd Wednesday of each month as of 8:00 PM (CST). Reward Plus rate may change after the account is opened. Fees may reduce earnings.

²Bill Payment is offered at no additional monthly or transaction cost unless you choose expedited processing which is billed at $14.95 per transaction. Please consult your enrollment agreement or an account representative for charges that may apply. Popmoney® transactions are billed for delivery times of: $0.50 for 3 day; $1.00 for next day; $3.00 for instant payment; and $1.00 to request payment.