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Sterling National Bank
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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 Simple Account: A simple and easy-to-manage everyday account with low balance requirements.

If you’re looking for a basic no-frills account to meet your everyday checking needs, you’ve found it. Simple has all the basics and no Monthly Service Charge with low minimum balance requirements. The Simple account includes:

  • No Monthly Service Charge when you maintain an Average Monthly Balance of $250 or receive Direct Deposits* totaling $250 or more during the current monthly statement cycle.

  • Minimum Opening Deposit of $25

  • Visa ® Debit Card with EMV Chip Technology

  • Online Banking and Telephone Banking

  • Mobile Banking1

  • Overdraft protection - Link your savings account through our Bounce Protection Program2 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.

*The Average Monthly Balance is calculated by adding together each daily closing balance throughout the monthly statement cycle and dividing this sum by the number of days in the statement cycle. A Direct Deposit is a pre-authorized deposit credited to the client's checking account via the Automated Clearing House (ACH).

1To 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 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.

VISA is a trademark owned by Visa International Service Association and used under license.