Online Banking

Personal Accounts

Checking Accounts

Sterling Federal Bank offers four money-savings 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!

 

REWARDS
CHECKING

TOTALLY FREE
CHECKING 

MONEY MANAGER
CHECKING 

2ND CHANCE
CHECKING 

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

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Online Banking

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Bill Pay

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eStatements

Checkmark    Checkmark** Checkmark Checkmark 

Overdraft Protection (upon approval)

Checkmark  Checkmark  Checkmark   

Interest

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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.

 Super Money Market Checking

Minimum to Open

$10,000 

Minimum Balance Required

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Online Banking*

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InfoXpress Bank by Phone*

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Interest

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eStatements

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*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 limited to six per statement cycle.


Savings Accounts

Sterling Federal Bank has five savings account options to assist you in planning your financial future. Choose the right plan to suit your needs!

 

MINOR
SAVINGS*

BRIGHT
SAVINGS
 

ULTRA BRIGHT
SAVINGS
 

CHRISTMAS
CLUB
 

RETIREMENT
SAVINGS

Savings

Minimum to Open

$5 

$100 

$100

$5 

$100 

Minimum Balance Required

$5 

$200 

$1,000 

$5 

$100

No Monthly Fee

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Interest

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InfoXpress Bank by Phone

Checkmark Checkmark    Checkmark**  Checkmark Checkmark

Online Banking

Checkmark Checkmark    Checkmark** Checkmark Checkmark 

ATM Card

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Statements

Annual 

Annual 

Monthly 

Annual 

Annual 

  *Account converts to Bright Savings upon child's 18th birthday.
**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 limited to six per statement cycle.


Everest Money Market Savings

Our highest money market interest rates along with convenient access to your money. This account will earn interest based upon your balance and the Federal Reserve Target Rate.

Money Market Savings

Minimum to Open

$50,000

Minimum Balance Required

Checkmark 

Online Banking*

Checkmark

InfoXpress Bank by Phone*

Checkmark

Interest

Checkmark

eStatements*

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  *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 limited to six per statement cycle.
**eStatements required for this account.

Certificates of Deposit 

With as little as $500 minimum to open, you may choose terms from 6 months through 5 years. These CDs offer Sterling Federal Bank's "Buildable" feature as well. There is a combination of terms and interest rates to fit everyone's financial needs. A penalty may be imposed for any withdrawals of principal from your certificate of deposit, before maturity.

IRAs

Choose from any of our certificate of deposit products or our Bright Savings account to begin saving for your retirement. Any of these accounts can be the vehicle for your Traditional, Roth, or SEP IRA.

ATM/Debit Cards

We've added the power of the VISA symbol to our Sterling Federal Bank VISA Debit 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 Debit Card is the easy way to pay right from your checking account. Just present your Sterling Federal Bank VISA Debit Card at the time of purchase and the amount will automatically be deducted from your checking account.

We are a proud member of the Allpoint Network, providing access to over 55,000 surcharge-free ATMs across the United States, Canada, Mexico, United Kingdom and Australia. Conveniently located in retail stores including major discount retailers, convenience, grocery and pharmacy stores. Customers will be able to distinguish the Allpoint ATMs by the green Allpoint logo. Get cash at a convenient location nearest you as often as you like; it's all surcharge free.

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.

Credit Cards

Visa Consumer Credit Cards

  • Visa Platinum Cash Rewards Credit Card - Let all those purchases work for you, with a cash back rewards card!

  • Visa Platinum Rewards Credit Card - Travel, merchandise, gift cards, and more - you name it, you've got it with this rewards card!

  • Visa Rewards Credit Card - If you're looking for a no frills card with a low rate, this one is for you!

  • Visa Community Builder Credit Card - Start building your credit today with a superior card!

Please contact a Customer Service Representative for more information or to place an online application, click here.