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Checking & ATM/Debit Cards

Checking Accounts

Sterling Federal Bank offers six 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!

Totally Free Checking

The perfect account for the person who wants hassle-free checking without service charges or any minimum balance requirements.

Bright Checking

A perfect checking account for the person who wants images of their cancelled checks every month.

Ultra-Bright Checking

The ideal account for the person wishing to earn interest on their account, with unlimited check writing, convenient check imaging, and overdraft protection for qualified applicants.

Ultimate 50 Checking

A special checking account for anyone 50+ that includes unlimited check writing, check imaging and one box of free personalized checks annually.

Money Manager Checking

A unique checking account that offers a money market rate along with one box of free personalized checks annually, unlimited check writing, convenient check imaging, and overdraft protection for qualified applicants.

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.

* These accounts offer the convenience of access on-line, by telephone or ATM. You'll have the ability to transfer between your Sterling Federal Bank accounts by telephone or on-line banking. Visa debit cards are available subject to approval.

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

Designed for the Sole Proprietor, Small Business Checking offers the convenience of a checking account with ATM/VISA debit card use.

  • $100.00 minimum opening balance
  • No fees when you meet the required limit on number of deposits and items cleared
  • FREE ATM/VISA debit card
  • FREE online banking
  • FREE 24-hour InfoXpress – bank-by-phone
  • Monthly imaged statements

Business Checking

Our low-fee, business checking account offers the convenience of a checking account with low minimum balance requirements and unlimited check-writing privileges.

  • $100.00 minimum opening balance
  • No fees when you meet the required minimum daily balance of $2,000.00
  • FREE online banking
  • FREE 24-hour InfoXpress – bank-by-phone
  • Monthly imaged statements
  • No per-deposit or per-check fees
  • FREE ATM/VISA debit card with proper authorizations

Commercial Checking

Designed for the Commercial Corporation calculating an earnings credit* to the applied toward elimination of the maintenance or account fee each month.

  • $100.00 minimum opening balance
  • FREE online banking
  • FREE 24-hour InfoXpress – bank-by-phone
  • Monthly imaged statements with monthly analysis printout

* Earnings credit cannot exceed the maintenance or account fee amount. The earnings credit will not be used as carryover.

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.