Skip Content
Log In to Online Banking


Sterling National Bank
Smart Checking

Now you’ll automatically know how much we appreciate your business.

Learn More>

Checking Accounts: simple, convenient and so much more.

A checking account for every stage of your financial life.

Wherever you are in life - whether just starting out, building your career or planning a retirement strategy - Sterling National Bank has a personal checking account with valuable features and benefits designed to meet your financial goals.

Choose the best checking account for you. Compare the features and benefits for all Sterling National Bank checking accounts.


    Start   Simple   Simple+   Select   Smart
Monthly Service Charge   $0   $3   $10   $15   $15
Age Requirement   13-24   18+   18+   18+   18+
Minimum Deposit to Open   $25   $25   $100   $100   $100
Eligible for Monthly Service Charge Waiver             1
Online Banking          
Mobile Banking 2          
Telephone Banking          
Earns Interest              
Preferred Rate on Insured Money Maker Account (IMMA)3                6    7
Safe Deposit Box Discount 4                
Non-Sterling National Bank Bank ATM Fee Rebates (charged by other financial institutions) 5                  7
Tier-structured Account with the most Features and Benefits                  
Reported investment balances** may be included in minimum balance requirements                  
    Full benefits >   Full benefits >   Full benefits >   Full benefits >   Full benefits >




Switch Kit


1. Tiers 2, 3, and 4 only.

2. To access your Sterling National Bank accounts using the mobile banking services, you must be enrolled in Online Banking. You will need Internet access to use these services. Message and data rates may apply from your wireless carrier. Please check with your wireless service provider for details on its fees and charges.

3. IMMAs enrolled in the Smart package are not eligible to also receive the Select preferred IMMA rate.

4. Box is subject to availability. Any size box that has the annual rental fee debited from a Select checking account through Safe Deposit Box Auto-Pay will receive a rebate of $20 off full payment of the annual rental fee. Any size box enrolled in a Smart package will receive a discounted rate of $20 off the annual rental fee. The discount is limited to only one safe deposit box. Safe deposit box discount offers cannot be combined.

5. Select (with minimum balance) and tier 3 Smart clients receive a credit on their statement cycle date of $3 per withdrawal conducted at a non-Sterling National Bank ATM up to a maximum of $15 per monthly statement cycle. Smart tier 4 clients receive unlimited credits on their statement cycle date of $3 per withdrawal conducted at a non-Sterling National Bank ATM. This rebate may be reported on a 1099 – MISC form.

6. With a $10,000 Average Monthly Balance in Select Account.

7. Tiers 3 and 4 only.