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** Earthstar Bank: http://www.earthstarbank.com

They are making money:

http://www3.fdic.gov/idasp/strureport.asp?PassCert1=35561&PassCert2=35561&inActive=A&IDForm=INSTSTRU&INREPTLEV=DRSLineLevel+%3D+40

From their web site:

Checking Accounts

Star Strata Checking
for $500.00 and up
2.96% Interest Rate
3.00% Annual Percentage Yield

Interest rates and Annual Percentage Yields are current as of 10/08/02 and may change daily.

Earn interest with Star Strata Checking if you maintain a minimum average daily balance of $500.00. The features of Star Strata Checking include:

Interest calculated daily, paid and compounded monthly per strata
Free Online and Telephone banking
Free order of first 200 checks
Free check images returned with your monthly statement
Free ATM or Visa Debit card with 24-hour access to your accounts
Free Overdraft Protection from either Star Strata Money Market or Statement Savings (Overdraft Lines of Credit also available)
Free Direct Deposit of payroll and retirement benefits
Unlimited check writing privileges
Minimum balance requirement of $100.00 to avoid a $5.00 monthly fee (waived for seniors over 55)
Free online bill payment for the first six months. After six months, no online bill payment fee will be assessed as long as your combined Star Strata Checking and Star Strata Money Market account balances exceed $3500. If the combined balances fall below $3500, a $4.00 monthly fee would be charged for the bill payment service.
Insured up to $100,000.00 by the FDIC per depositor

I don't see any ATM rebates.

Jeff

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