Personal Checking Accounts

Packed with features you asked for, our checking accounts make banking easy and rewarding. Introduce your friends and family to Star checking and we'll give you both a $50 Visa Gift Card.

Switching to a Salem Five checking account is easy! Click here to give us a try.

Click here to learn more about Salem Five InfoArmor.


  Free Checking Star Checking Gold Star Checking Smart Student Checking
 

Perfect for:
Easy access to your checking account online, and no fees or minimum balance requirements. Those who enjoy earning rewards and reimbursements for everyday use and appreciate an easy way to save. Those with higher balances. The benefits of Star plus unlimited ATM reimbursements and identity protection. Students who want cash back debit rewards, online/mobile account access and no fees or minimums.
   

Star Checking &
Star Savings

Gold Star Checking & Star Money Market
 
Combo Features:  

Earn interest on your checking account plus have the convenience of ATM reimbursements, cash back debit rewards and account interest from your Star Checking swept into your Star Savings account to help build savings balance faster.

Enjoy variable tiered rates and instant liquidity, plus all the added features of a Gold Star Checking account.

 

ATMs

Free Salem Five ATM transactions

Free Salem Five ATM transactions

Reimbursement of other banks’ surcharges up to $15 per statement cycle

Unlimited fee-free usage worldwide

Full reimbursement of other banks’ surcharges

Reimbursement of other banks' surcharges, up to $15 per statement cycle

Debit Card
Yes Yes - including Cash Back Debit Rewards
Yes - including Cash Back Debit Rewards Yes - including Cash Back Debit Rewards
Initial Opening Deposit $100 online
$10 in person
$100 online
$10 in person
$100 online
$10 in person
$100 online
$10 in person
Initial Combo Opening Deposit  

$100 Star Checking
$100 Star Savings

$100 Gold Star Checking
$100 Star Money Market

 
Monthly Maintenance Fee None None with payroll direct deposit, a $1,500 minimum daily balance, automatic transfer to a Salem Five Mortgage, or a combined deposit/loan balance of $5,000 (excluding mortgage loan balances) None with a $5,000 minimum daily balance or a combined deposit balance/outstanding loan balance of $20,000 (excluding mortgage loan balances) None until primary account holder's 24th birthday
Online Banking & Bill Payment

Free Online Banking

Free Online Bill Pay

Free Online Banking

Free Online Bill Pay

Free Quicken® Web Connect

Free Online Banking

Free Online Bill Pay

Free Quicken® Web Connect

Free Quicken® Direct Connect

Free Online Banking

Free Online Bill Pay

  Hide Additional Features
Checks

Unlimited Check Writing

Free First Order of Checks

Unlimited Check Writing

50% discount on First Order of Checks

Unlimited Check Writing

Free wallet specialty 200 check in mint, lemon, blue and gray. All orders

Plus: No-annual-fee Overdraft Protection

Unlimited Check Writing

Free First Order of Checks

Free to Go overdraft waiver privilege (one time only)

Transactions Unlimited Transactions (in-store, online, phone) Unlimited Transactions (in-store, online, phone) Unlimited Transactions (in-store, online, phone) Unlimited Transactions (in-store, online, phone)
Mobile Banking Free Mobile Banking Text Alerts Free Mobile Banking Text Alerts Free Mobile Banking Text Alerts Free Mobile Banking Text Alerts
Earns Interest on your balance No Yes Yes Yes

Additional Benefits

InfoArmor Identity Theft Protection available for $7.95/mo

Free Portfolio Analysis

Free Retirement Planning

InfoArmor Identity Theft Protection available for $7.95/mo

Free Portfolio Analysis

Free Retirement Planning

Save 5% on Auto Insurance

Free InfoArmor Identity Theft Protection

Free Portfolio Analysis

Free Retirement Planning

Save 5% on Auto Insurance

Plus: Free Travelers Checks

Plus: Preferred Rates on Star Home Equity Loans

InfoArmor Identity Theft Protection available for $7.95/mo

Free Retirement Planning

Free Portfolio Analysis