It can happen to anyone. 

A recording error or a mathematical mistake. In the event that you find your account with an unexpected shortage of funds, a Star Bank Ready Reserve can cover expenses in the short term. 

When you have a Ready Reserve, enjoy peace of mind and these other benefits:

• You are protected when writing a check or using your Star Bank Debit Card.
• Automatically advances into your checking account in increments of $100 when the balance falls below zero.
• Low monthly payments - $25 or 5% of the unpaid balance.
• $25 annual fee.
• Access your Ready Reserve by writing a check, in person, or by phone.
• No prepayment penalty.
• No maturity date.