* Share (savings) accounts ($50 Share Deposit Requirement)
* No Maintenance/Service fee checking accounts
   ($20 Share Deposit Requirement)
* Overdraft protection for checking accounts
* Christmas Club accounts
* Share Certificates
* No Annual Fee VISA Credit Card
* Electronic Funds Transfers and Direct Deposit
* Debit Card (STAR Check Card)
* ATM Card (STAR & Cirrus Network)
* Alliance One ATM Coop
* STARLINE transactions by phone (800) 227-5495
* Online Home Banking
* Bill Payer
* TransferNow
* e*Statements
* Mobiliti
* Mobile Branch Capture
* Certified checks
* Discount movie passes (AMC General Cinema only)
* Order Checks

Please visit our main branch and speak with any of our Member Service Representatives for additional information on our services or products offered. Most services are also available at any of our shared branching locations.

Error Resolution Notice

In case of errors or questions about your electronic transfers, or if you need more information about a transfer listed on the statement or receipt, write us on a separate sheet at the address listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You can telephone us but doing so will not preserve your rights. In your letter, give us the following information:

1. Tell us your name and account number.
2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.