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Sterling National Bank
Smart Checking

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Smart Account

The Smart Account: A new kind of tier-structured account that makes sure you’re getting the most for your money.

The Smart account automatically adjusts your benefits by counting not only your combined deposit balances and transaction activity with Sterling National Bank, but also your reported investment balances with LPL Financial** to help you achieve the highest tier benefits.

Smart account holders are eligible to receive the following benefits:

    • No Monthly Service Charge for Tiers 2, 3 and 4 when you maintain a minimum $2,500 - $20,000 Average Cycle Balance1 in the Smart account or a minimum of $10,000 - $50,0002 in combined linked deposit accounts and reported investment balances** AND complete 3 Bill / People Pay payments OR have a $500 minimum Direct Deposit posted to your Smart account.3

    • Minimum Opening Deposit of $100

    • Mobile Banking4

    • Online Banking, People Pay payments5 and Telephone Banking

    • Visa ® Debit Card with EMV Chip Technology

    • $20 Discount on a Sterling National Bank safe deposit box6

    • Rebates for non-Sterling National Bank ATM fees (charged by other financial institution)7

    • Preferred rate on a Sterling National Bank money market account (IMMA)8,9

    • Free unlimited basic checkbook orders9,10

    • Check image fee waivers9

    • Unlimited Complimentary Official Checks and Counter Checks9

    • Stop payment fee waivers for Smart account checks and ACH transactions9

    • No Point-Of-Sale transaction fees

    • Click here to explore all tier-structured benefits.


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 Cycle Balance is calculated by adding together each daily closing balance from the Cycle Date to the Evaluation Date and dividing this sum by that number of days. The Cycle Date is the 3rd Friday of the month. The Evaluation Date is the Tuesday before the 3rd Friday of the month.

2. Deposit account (checking, savings, IMMA, IRAs and CDs) balances are as of the Evaluation Date (the Tuesday before the 3rd Friday of the month). Investment balances are as of the business day prior to the Evaluation Date. Funds may not be reflected in your reported investment balances immediately.

3. Bill/People Pay payments must be completed using Sterling National Bank Online/Mobile Banking and must post during the Evaluation Cycle. A Direct Deposit is a preauthorized deposit credited to the client's checking account via the Automated Clearing House (ACH). Direct Deposits also must be credited during the Evaluation Cycle. The Evaluation Cycle is the Wednesday prior to the 3rd Friday of the month through the Tuesday prior to the next Cycle Date.

4. 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.

5. To access People Pay, you must be enrolled in Online Banking and have no more then 3 overdrafts within the current or prior year. Eligibility conditions, payment limits and other restrictions apply.

6. Box is subject to availability. 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.

7. Tier 3 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. 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.

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

9. Tiers 3 and 4 only.

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

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