OakStar Bank OakStar Bank

Experience:
OakStar Bank

At OakStar, we are committed to creating extraordinary banking experiences.

From checking your balances and transferring funds to depositing checks, our online tools empower you to manage your finances seamlessly from anywhere.

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Enhanced Tools for All Your Banking Needs

Our tools go beyond basic banking by making money management seamless, efficient, and personalized. With smarter technology and intuitive features, we remove complexity, save you time, and offer advanced security and insights for confident financial decisions. We’re here to make banking not just easier, but better.

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Integrated Budgeting

We've made planning your finances real easy. Our integrated budgeting tool takes the guesswork out of spending, saving, and planning and puts the power in your hands.

• Set budgets
• Track spending and saving
• Tag and categorize transactions
• Set savings goals
• Manage accounts, including most credit cards and other external accounts

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Account Aggregation


Get a holistic view of your finances—all in one place. With OakStar's account aggregation tool you can view, manage, and set alerts for external credit cards and account balances within your OakStar online banking hub.

• Connect, view, and manage accounts from other financial institutions
• Track transactions and plan payments
• Budget comprehensively through our central dashboard

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Chat Securely with the OakStar Experience Center

Your banking experience should be extraordinary. That's why we created the OakStar Experience Center, a group of friendly and skilled team members available by phone or secure live chat. They're standing by to answer your questions, find solutions, and help you meet your financial needs Monday – Friday, 7am – 8pm CST, and 8am – 1pm CST on Saturdays.

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Disclosures

Funds Availability Disclosure

This policy statement applies to all deposit accounts.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY

Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If you deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, & the first $5,525 of a day's total deposits of cashier's, certified, teller's traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the seventh business day after the day of your deposit.

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Missouri.

USA Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH YOUR FINANCIAL INSTITUTION

Section 326 of the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person's driver's license and other identifying documents and copy or record information from each of them.

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Fee Schedule

Service Fee
Account Activity Printout$3.00
Account Closing Fee (First 12 months)$25.00
ATM Replacement Card Fee$5.00
Bond Collection$10.00
Cashed Check (Non-Customer)$10.00
Check Copy$3.00
Collections$25.00
Deposited Items Returned$4.00
Dormant Account Fee, per month (after 365 days inactivity)$5.00
Fax Incoming and Outgoing, per page$1.00
Foreign Currency$7.00
Garnishment/Levy$35.00
Kasasa Protect (Kasasa Customer)$4.00
Kasasa Protect (Kasasa Non-Customer)$5.00
Money Bags$5.00
Official Checks$5.00
Overdraft Fee per item, includes checks, ATM withdrawals, or other electronic means$30.00
Insufficient Funds Fee per item, includes checks, ATM withdrawals, or other electronic means$30.00
Loan Verification$10.00
Paper Statement Fee$5.00
Photocopies$1.00
Research, per hour$25.00
Return Mail Fee$7.50
Safe Deposit BoxesVARIES
Safe Deposit Drill FeeVARIES
Safe Deposit Late Fee$15.00
Stop Payment$25.00
Subpoena, per hour$50.00
Two Signatures Required Verification (Monthly)$50.00
Wire Transfer (Incoming)$15.00
Wire Transfer (Outgoing)$25.00
Wire Transfer (International)$50.00

What Does OakStar Bank Do With Your Personal Information?

Reasons We Can Share Your Personal Information Does OakStar Bank Share? Can You Limit This Sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes – information about your transactions and experiences Yes No
For our affiliates' everyday business purposes – information about your creditworthiness No We Do Not Share
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you No We Do Not Share

Privacy Policy

What Does OakStar Bank Do With Your Personal Information?
Rev. Date 04/2024

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social security number and account balances
  • Account transactions and transaction history
  • Overdraft history and checking account information

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons OakStar Bank chooses to share; and whether you can limit this sharing.

Overdraft Protection

For information about our Overdraft Protection policy, please refer to the full Customer Policy on our website or contact our customer service.

Customer Due Diligence/Beneficial Ownership - Business Customers

IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY ACCOUNT

The Bank Secrecy Act was established to fight the illegal funding of terrorism and other national security threats. Each time a covered Legal Entity opens or updates an account, or a loan is made, renewed or modified, this Act requires us to obtain identifying information (name, address, date of birth, social security number and occupation) and identification documents for:

  • Each individual who has beneficial ownership (25% or more) of the Legal Entity; and,
  • One individual who has significant managerial control of the Legal Entity.

You will be required to certify this information is true and accurate to the best of your knowledge. Click below to read FinCEN's Customer Due Diligence/Beneficial Ownership Final Rule, as previously published in the Federal Register.

Federal Register edition dated May 11, 2016
https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions

OakStar Bank
NMLS# 406107

2155 W Chesterfield St, Springfield, MO 65807