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The SouthStar Bank Harker Heights ATM is currently unavailable for customer use. Click HERE to find the closest surcharge-free ATM.

To learn more about our mobile app, online banking, and more, watch our video tutorials.

Star Free Checking



SouthStar Bank Jan 2024

“We could not be happier with our choice to bank with SouthStar. The customer service is truly second to none. If you’re looking for a true Texas bank with the best banking experience you’ll ever get, SouthStar is the one!” ~ Chandra A.

Convenience For Your Lifestyle

Our Star Free Checking account was created for customers who want easy-to-use checking with the comfort and convenience of online banking and the ability to make mobile deposits on-the-go.

Our Star Free Checking accounts feature unlimited transactions, online banking and bill pay, a mobile app with check deposit, and eStatements available 24/7. With Star Free Checking, you’ll have online access to check images (for printed check images, see our Gold Star Checking Accounts). Instant issue debit cards are available at select locations. There are also many optional features and benefits that provide our customers with the highest level of convenience, service and security.

For more information or to open an account, call or visit your nearest branch. We have 16 full-service branches that offer exceptional service to customers in Central Texas.

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SouthStar Bank Star Free Checking Details:

Get More Details

Please complete the form below and one of our personal bankers will be in touch.

*Personal information such as social security number or account number, user ID or password should NOT be shared through this form. State ONLY your question or product inquiry. Please contact your nearest branch to discuss account specifics.

Optional Features and Benefits*

  • 24-Hour Telebanking (866.333.9064)3
  • After Hours / Night Deposits
  • Allpoint ATM Network – free access to  55,000 ATMs worldwide with no ATM fees
  • Automatic Transfers and Payments
  • Bank by Mail
  • Cashier’s Checks
  • Direct Deposit
  • Electronic Fund Transfers
  • SecureAlerts & CardManager Account Alerts
  • eStatements with viewable check images1
  • Mobile Banking App with Check Capture for Remote Deposit
  • Next Day Bill Pay
  • Notary Services
  • Online banking and  Bill Pay
  • Zelle® (Mobile/Online Funds Transfer)
  • Safe Deposit Boxes
  • VISA® ATM / Debit Card

No Monthly Fee Checking Accounts from SouthStar Bank, Serving Central Texas

SouthStar Bank is a community neighbor, proudly serving Central Texans. We’re located where you live and work and are committed to providing the highest quality of personalized service as only a community bank can. We offer 16 full-service branches in Central Texas, including Austin and surrounding areas.
For more information, call or visit your nearest branch. Or complete our easy online application today!

Star Free Checking – Frequently Asked Questions

You can open an Star Free account either in your local SouthStar branch or from this website. A $100.00 opening deposit is required. View our consumer account checklist to see what we’ll need to open your new account and Switch Kit, which includes easy instructions and the forms you’ll need to switch your transactions from your current institution to SouthStar Bank.

There is no minimum balance and no monthly maintenance fee. The only applicable charges are for non-sufficient funds (NSF)/overdraft items, in the event of insufficient funds.

Star Free Checking is a non-interest bearing account. If you would like an account that bears interest, please see our Gold Star Checking Account or savings account options.

If you overdraw on your account balance, there is a $35 overdraft fee per item.

Instant issue debit cards are available at the following SouthStar Bank branches: Brazoria, Bremond, Gonzales, Harker Heights, Hearne, Leander, Shiner, and Southwest Austin. For your protection, it is important to report a lost or stolen card immediately.
Switch Today to Free Online Checking!
Printed mailed statements are not available.
The deposits of each depositor in this institution are insured to the maximum amount provided by the Federal Deposit Insurance Act. Visit for details
Telecommunications Relay Service is a telephone service that allows persons with hearing or speech disabilities to place and receive telephone calls. Visit for details
*Optional features and benefits may incur fees. Contact one of our locations for our current fee schedule.

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