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Sterling National Bank
Smart Checking

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Is Your Application Already in Progress?

If you used an external account to fund your new Sterling National Bank account, you will need to verify your funds to complete your account set-up.

The Select Account: A relationship-based account that rewards you with more services, preferred rates and money-saving benefits.

The Select account also includes:

  • No Monthly Service Charge when you maintain a minimum balance of $25,000 in any combination of linked deposit accounts on your statement cycle date

  • Minimum Opening Deposit of $100

  • Visa ® Debit Card with EMV Chip Technology

  • Online Banking and Telephone Banking

  • Mobile Banking1

  • Free unlimited basic checkbook orders2

  • A competitive interest rate on your balance

  • Withdrawals from non-Sterling National Bank ATMs with no Sterling National Bank fee3 when you maintain the minimum balance requirement

  • Rebates of up to $15 per month for non-Sterling National Bank ATM withdrawal fees assessed by other institutions or retail companies when you maintain the minimum balance requirement4

  • Preferred rate on a Sterling National Bank money market account (IMMA) with a $10,000 Average Monthly Balance in the Select account5

  • Discount on Sterling National Bank safe deposit box6

  • Overdraft protection - Link your savings account through our Bounce Protection Program7 or apply for a line of credit

  • The Security of FDIC Insurance


Contact us, call 800-278-6742 and press option 3, or stop into your neighborhood financial center – a Sterling National Bank Personal Banker will be happy to help you.

1. 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.

2. Checks must be ordered from Sterling National Bank, through our vendor.

3. Certain fees may be assessed by other financial institutions or retail companies for use of their ATMs or terminals.

4. Clients with Select checking accounts, who satisfy the Minimum Balance requirements, 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. This rebate may be reported on a 1099-MISC form.

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

6. Box is subject to availability. Discount will be applied as long as the fee is debited from your Select checking account, using Safe Deposit Box Auto-Pay. Only one discount per safe deposit box.

7. There will be a Bounce Protection Fee which will be assessed against the Checking Account per transfer. The amount of the Bounce Protection Fee is set forth in Sterling National Bank's Schedule of Charges & Availability of Funds Brochure. One transfer will be made to cover all overdrawn debits including checks, POS, ATM, and pre-authorized debits presented for payment from the Checking Account on a given day. If more than one debit is presented against insufficient funds and the transfer from the savings account (or account you designate to be your source account) is inadequate to pay all such debits, Sterling National Bank in its sole discretion shall determine which debits shall be paid and which debits shall be returned for insufficient funds. The number of transfers from the Source Account is limited to 6 per cycle. An overdrawn debit for any reason and any amount will trigger the minimum Transfer Increment. For additional information, please request the Bounce Protection Disclosure statement from a Sterling National Bank Personal Banker.

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