A man helping his mother with her personal checking account using Stellar Bank's banking solutions

Personal Checking Accounts

Stellar checking accounts are built with the features you need to manage your cash and make your life easier.

We Empower You To Thrive

Yes, we’d love to help you open the right Stellar checking account to meet your needs, but it goes deeper than that. We want to be your long-term financial resource, giving you the personal service, expert guidance, online tools and easy access to help you reach for your goals and succeed.

A Personal Checking Solution For Every Need
  Personal Checking Green Rewards Light Checking Silver Checking Relationship Checking Personal Interest Checking
Minimum Balance to Open $100 $100 $100 $100 $100 $100
Monthly Service Charge $10 $5 N/A N/A N/A $15
How to Avoid a Service Charge $500 minimum balance Requires 1 ACH debit or credit and 1 debit card transaction per statement cycle N/A N/A N/A $1,000 minimum balance
Per Fee Items Unlimited check writing N/A $0.50 per debit transaction in excess of 100 debits per cycle Unlimited check writing Unlimited check writing Unlimited check writing
Minimum Balance for APY N/A N/A N/A N/A N/A $1,000
Interest Compounding and Crediting N/A N/A N/A N/A N/A Interest is compounded and credited monthly
Miscellaneous N/A Paper statement is available for $3 monthly fee N/A This acount is available to customers 50 years of age and older This account is available to business owners, their family and employees N/A
Complimentary Benefits Online and Mobile Banking / Debit Card / eStatements / Refund up to $6.00 on foreign ATM surcharges per statement cycle Earn $0.10 on $10 or greater debit card purchases / Online and Mobile Banking / Debit Card / eStatements / Refund up to $6.00 on foreign ATM surcharges per statement cycle Online and Mobile Banking / Debit Card / eStatements / Refund up to $6.00 on foreign ATM surcharges per statement cycle Online and Mobile Banking / Debit Card / Checks / eStatements / 50% discount on Safe Deposit Boxes / Refund up to $6.00 on foreign ATM surcharges per statement cycle Online and Mobile Banking / Debit Card / eStatements / Refund up to $6.00 on foreign ATM surcharges per statement cycle Online and Mobile Banking / Debit Card / eStatements

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All The Right Connections For Easier Banking

  • Link all your bank accounts with online banking
  • Set up automatic transfers
  • Access money management tools
  • Integrate with QuickBooks® and Quicken®
  • Set up overdraft protection
  • Make remote deposits with your phone
  • Save paper and clutter with eStatements

The Tools You Want

Three female friends enjoying sushi with each other while using Zelle to send money to one another through the Stellar Bank App

Send And Receive Money With Zelle®

With your mobile number or email, you can pay or get paid by anyone in the U.S. Zelle® is an easy, fast and secure way to split the check, pitch in on the ride share, settle up on tickets, pay the babysitter or anything else. 

Learn More About Zelle®

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Bank Your Way, Anytime, Anywhere

With the Stellar Bank Mobile App, your Apple® or Android® device instantly becomes your nearest bank location. And it’s open 24/7/365. Make deposits. Pay bills. Transfer funds. Track your account activity to the minute. It couldn’t be easier. Contact a Stellar Banking Center to learn more or click below from your mobile device to download the app now. 

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Shop Simply and Securely

A Stellar debit card allows you to access funds and manage spending. When you receive your instant issue debit card, set your spending limits, add alerts and easily control your finances with other helpful features. Plus, you gain added security by linking your card to your mobile wallet to pay with a quick tap of your device.

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The Support You Need To Fight Fraud

Fraud is on the rise, and we’re here to help you protect yourself. There are many precautions you can take, but the most important one is also the simplest: guard your information. Never share account numbers, passwords, PINs or any other account information by phone, text or email.

Learn About Protecting Yourself From Fraud

Open a Personal Account

Meet with your local Stellar Banker to open a personal checking account today.

Get Started

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What to Bring

When you open a new account, be sure to bring the following items:

For Personal accounts bring your:

  • Valid driver's license for account signers
    • OR permanent resident alien card (AKA green card)
    • OR current and valid passport
  • Social Security Number (card not required)
  • New bank customers must be present to open an account

Find a Stellar Banking Center

We’re here for you, when and where you need us. You can make an appointment, or if you’d like to just walk in, that’s great too.

See our Locations

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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

More Ways We Can Support Your Needs

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Digital Wallet

Learn More

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Online Banking

Learn More

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Local People Who Are Ready to Help

We’re here for you, when and where you need us. You can call us anytime. You can make an appointment to meet at one of our banking centers. Or you can just stop by whenever it’s convenient.

Connect with a Stellar Banker Find a Stellar Banking Center

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Allegiance Bank and CommunityBank of Texas have merged to become Stellar Bank.

Two leading community banks have joined forces so we can serve your needs better than ever. Expert bankers to guide your financial journey. The locations and online tools you need to bank your way. A deep commitment to local people and businesses. And that's just the beginning. Come find out what it means to be Stellar.

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