How to Move Money

$0 fee
Same day if submitted before 11 a.m. on a business day

Transfer funds to an account outside Star One in the USA.

Transfer limit: $25,000 per 24-hour period.

After funds are transferred, deposit time & availability depend on the receiving financial institution's processes.

$0 fee
Available only in Mobile Banking

Zelle® is a way to send, receive and request money fast.

Get money to and from friends, family and people you trust who have a bank account in the U.S.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

Payment limit: $2,500 in a rolling 24 hours.

Learn more about Zelle®

$0 fee

Send money regularly? Let’s automate that. Recurring ACH allows scheduled transfers to or from outside accounts on a regular basis (e.g., weekly, bi-weekly, or monthly).

Minimum transfer: $5.
Transaction limits: $15,000 weekly, $5,000 daily.
Maximum 3 transactions per day, 3 per week.

How to set up a Recurring ACH Transfer

• Submit the "ACH Recurring Authorization" form in Online Banking at least 5 days before you would like the payment to take place.
• Or, follow the directions on our printable form and mail or hand-deliver.
• If your recurring payment or transfer date falls on a weekend or non-business day, your payment or transfer will occur on the business day prior to your requested transfer date.
• If funds are not available in the source account, a $15.00 non-sufficient funds/overdraft fee will be charged.

$0 fee
Instant or future transfers

Maximum flexibility. Transfer funds instantly between your Star One accounts or send money to another member. Quick, free, and easy.

Schedule future or recurring transfers.

No maximum transfer amount.

Account Transfers

Transfers are in real time except when holds on your accounts prevent funds from being available.

For transfers outside of normal business hours, your transfer will be posted using the next business date. A results message will appear after the transfer is processed. We recommend that you print the message for your records.

Scheduled Transfers

Set up transfers for later. Initiate a one-time transfer or a series of transfers. Have an e-mail reminder sent to you when the transfer is complete. 

In the Transfers menu, select "To/From My Accounts," then select the Scheduled tab.

Cross-Member Transfers

Now that’s convenient: to move money to other accounts at Star One, just select "To Other Members" in the Transfers menu.

$20 fee

Quick and cost-effective one-time electronic transfers worldwide.

No maximum transfer amount.

All international ACH transfers are subject to Star One approval. For your security, we may use additional authentication methods to verify your identity.

Requests must be submitted by 1:00pm PST to be processed the same day.

$30-$40 fee**
Outgoing, domestic

$50-$60 fee**
Outgoing, international

$0 fee***
Incoming

Domestic or international one-time electronic funds transfers between Star One and other financial institutions.

Often used for large sums, such as for a mortgage down payment.
No maximum transfer amount.
** Lower fee applies if account/loan balance is over $5,000 or if submitted online.
*** Receiving institutions may charge an additional fee for incoming wires.

$0 fee
1-2 business days

Star One account to external account. Also known as "External Funds Transfers."

Transfers between your Star One accounts (checking or savings only) and your accounts at other financial institutions—one-time or recurring.

Maximum transfer: $7,000 per 24-hour period.

Requirements

1. You must have a phone number to receive a One-Time-Passcode (OTP).

Setting Up Your Accounts for Transfers

1. Go to "Transfers & Pay" in Online or Mobile Banking.
2. Select the "Manage Recipients".
3. Select "Add a New Recipient" and choose "External Account or Recipient".
4. Select "My Account".
5. Choose between "Instantly verify your account" or "Manual account verification".

Setting Up Other Accounts for Transfers

1. Go to "Transfers & Pay" in Online or Mobile Banking
2. Select the "Manage Recipients".
3. Select "Add a New Recipient" and choose "External Account or Recipient".
4. Choose "External Recipient".
5. Enter the recipient's details then click or tap "Add Recipient".

If funds are not available when sending from Star One to an external account, a $15.00 non-sufficient funds/overdraft fee will be charged.

How are External Funds Transfers different from Bill Pay or Wire Transfers?

External Funds Transfers require that you know the account number for an account at another financial institution.

Therefore, you normally wouldn't use them to pay bills. Instead, use it to move money to and from your accounts at other institutions, such as your brokerage account, another bank account, or a minor's account.

$0 fee
Same day—if submitted before 3 p.m. on a business day

Pay your Star One loan with a one-time transfer from another financial institution—or register to schedule recurring payments.

For principal-only payments, loan payoffs, or payments to special or restricted accounts, please call us.

No maximum transfer amount.

Payments scheduled before 3:00 p.m. are processed the same business day. Other payments are processed the next business day.

A $15.00 fee will be charged if there are insufficient funds to cover the requested payment.

Pay now

Frequently Asked Questions

• How far in advance could I schedule a loan payment?
  
  Loan payments can be scheduled in advance up to three future payments.
• How can I schedule a loan payment to be taken out in the future?
  
  Future payments can be scheduled by enrolling for the Auto Pay feature. To sign up, click on “Enroll Now” link on the main page and create a user name and password or enroll after making a one-time loan payment. Once automatic payments are scheduled, they will continue until canceled or a suspension date may be entered at set up.
• Could a payment be cancelled once scheduled?
  
  Yes, but only if cancellation is requested the same day payment was made prior to 3:00 pm PST.
• What are the acceptable methods of payment to process an online payment?
  
  Payments can only be made using the routing number and account number of your checking or savings account at another financial institution.
• Is there a fee imposed by Star One if there are insufficient funds to cover the payment transfer as requested?
  
  Yes, the fee is $15.00.
• Could I pay off my loan using this service?
  
  No, pay-off quotes are not available through this service. Please call us for assistance with a loan payoff.
• Will my payment be posted the same day payment is made?
  
  Yes, as long as payment request meets the required cutoff time of 3:00 pm PST.
• Will using this service to make a payment affect the scheduled transfers previously set up for a loan?
  
  No. A payment made using this service will not stop the previously scheduled transfer. Both payments will be applied and the loan due date will be advanced accordingly.
• For payments made to a Visa, Personal Line of Credit or Home Equity Line of Credit account, would the excess payment amount (if applicable) be applied towards the next payment due date?
  
  No. Any excess payment amount will be applied towards the principal balance. The next payment amount is not determined until the next billing statement is generated.
• How can I make an extra payment to be applied towards the principal balance?
  
  This is allowed as long as the principal-only payment is included with the regular payment. Any excess payment will be applied towards the principal balance. For example, if your mortgage payment is $2,674.62 and you want to pay $500.00 towards principal, enter a payment of $3,174.62 under “Other Amount.” The $500.00 will then be credited towards the principal balance.
• What if I make a payment to the wrong account in error?
  
  Please call us as soon as the error is discovered for assistance.
• If my loan is delinquent, is the late fee required to satisfy the minimum payment amount?
  
  This depends on the type of loan. For a real estate loan, the late fee is not required to satisfy the minimum payment due for that month; however, it will still be due. For a consumer loan (vehicle, Visa or personal loan), the late fee will be deducted from the minimum payment amount, which means a lesser amount will be applied towards the principal balance.