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>


The Simple+ Account: An account that introduces additional banking benefits with qualifying balances.

The Simple+ account includes:

    • No Monthly Service Charge when you maintain a minimum Average Monthly Balance1 of $2,500 in your Simple+ account or a $10,000 minimum balance in any combination of linked deposit accounts2 on your statement cycle date

    • Minimum Opening Deposit of $100

    • Visa® Debit Card with EMV Chip Technology

    • Online Banking and Telephone Banking

    • Mobile Banking3

    • A competitive interest rate on your balance

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

    • Overdraft protection - Link your savings account through our Bounce Protection Program4 or apply for a line of credit

    • First basic checkbook order free5

    • 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. 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.

2. Must maintain the minimum balance requirement. Certain fees may be assessed by other financial institutions or retail companies for use of their ATMs or terminals.

3. 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.

4. 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.

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

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