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Checking & ATM/Debit Cards

Checking Accounts

Sterling Federal Bank offers four money-saving checking accounts. One is just right for you. Whether you write a lot of checks or just a few, keep a low balance or a high one, Sterling Federal Bank has a checking account that will meet and match your financial needs. Choose the plan that best suits your needs! 

 Checking
 

REWARDS
CHECKING

TOTALLY FREE
CHECKING

MONEY MANAGER
CHECKING

2ND CHANCE
CHECKING 

Minimum to Open

 $100

 $100

 $15,000

 $100

Rewards Benefits & Discounts

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No Minimum Balance

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No Monthly Fee

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InfoXpress Bank by Phone

  Checkmark Checkmark   Checkmark Checkmark 

Online Banking

  • Verify account balance
  • Transfer funds
  • View recent transactions
  • Retrieve electronic statements
  • View recent payments
  • Download transactions
Checkmark  Checkmark  Checkmark  Checkmark 

Bill Pay

 Checkmark Checkmark Checkmark   

eStatements

Checkmark  Checkmark**   Checkmark Checkmark 

Overdraft Protection (upon approval)

Checkmark Checkmark  Checkmark   

Interest

 Checkmark   Checkmark   

Mobile Banking 

Checkmark   Checkmark  Checkmark Checkmark 

Mobile Deposit

 Checkmark  Checkmark Checkmark  Checkmark 

ATM/Debit Card

 Checkmark  Checkmark Checkmark  Checkmark

*    First six Bill Pay transactions free, then .60 each.
**  eStatements required with Totally Free Checking.
 

Rewards Benefits & Discounts

  • Cell Phone Protection - If your phone is broken or stolen, you'll be reimbursed for eligible expenses you pay to have it repaired or replaced, up to $200 per claim (maximum of 2 claims per year).
  • Roadside Assistance - BaZing provides access to roadside assistance to get you back on the road as soon as possible at a preferred per event fee. Plus, you can receive $25 cash back on roadside assistance services, saving you even more money. 
  • Identity Theft Aid - Receive reimbursement for covered expenses you incur to restore your identity. If you are ever a victim of identity theft, you have unlimited access to personal fraud specialists who will provide guidance and identity recovery and restoration assistance. If your payment cards are ever lost or stolen, you have a personal fraud specialist ready to assist with cancelling your old cards and reissuing new ones.
  • Accidental Death Insurance - As a member, you receive Accidental Death Insurance coverage.
  • Health Savings - Customers with BaZing can save up to 50% on prescriptions, over 15% on hearing aids and up to 50% on frames, lenses and Lasik surgeries.
  • Travel - With savings on hotels, car rentals and recreation (including theme parks), you can finally take the vacation you've dreamed of.    
  • Shopping & Dining Discounts - Whether you're getting maintenance on your car, grocery shopping, going to the movies or just need a little retail shopping therapy, BaZing has the deals that save you money on your purchases.

   

Super Money Market Checking

A high-yield checking account with the added flexibility of check writing privileges (limit 3 per month, not less than $300 each), and convenient check imaging. 

 

Minimum to Open

 $10,000

Minimum Balance Required 

 Checkmark

Online Banking*

Checkmark 

InfoXpress Bank by Phone*

Checkmark 

Interest

Checkmark 

eStatements

Checkmark 

*   InfoXpress and Online Banking transfers available. Transfers to another account or to third parties by pre-authorized, automatic, telephone or computer
     transfer or by check, 
draft, debit card or similar order to third parties are limitied to six per statement cycle.
 

Business Checking Accounts

Sterling Federal Bank offers several business checking packages – we have options for both the Sole Proprietor and for more commercial enterprises.

 

FREE SMALL BUSINESS
CHECKING

COMMERCIAL
CHECKING

 Business Checking

Minimum to Open

$100 

$100 

Online Banking

Checkmark  Checkmark 

eStatements

 Checkmark Checkmark 

No Minimum Balance

Yes* 

Yes* 

Monthly Fee

  Checkmark 

Additional Services

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Monthly Maintenacne Fee

 0

 $8

Earns Credit

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Fee Structure

.25 per item charge in excess
of the first 150 deposited and/or
withdrawal items

.50 per deposit
.08 per deposited item
.15 per check paid
.15 per ACH/credit/debit item

 * Please see a business representative for more details.

 

ATM/Debit Cards

We've added the power of the VISA symbol to our Sterling Federal Bank VISA Check Card – use it instead of a check. Everywhere VISA is accepted.

Whether you're shopping around the corner or around the world, the Sterling Federal Bank VISA Check Card is the easy way to pay right from your checking account. Just present your Sterling Federal Bank VISA Check Card at the time of purchase and the amount will automatically be deducted from your checking account.

If you don't already have one, request one now - just visit your local branch or contact a Customer Service Representative today!

To report a lost or stolen ATM or debit card...

  • During normal business hours: Call 815-626-0614
  • After hours or on weekends: Call 800-417-8715

Out-of-State or Overseas Travel

In the event that you are planning out-of-state or overseas travel, prior to your departure please contact a Customer Service Representative.

You will be asked to provide your travel dates and itinerary in order that your debit card transactions may be closely monitored for your protection.