Personal Products & Services
- Deposit Services
- Certificate of Deposit (CD)
- CDARS® Program
- Checking Accounts
- Individual Retirement Account (IRA)
- Money Market Account
- Savings Account
- Sterling At Work
Certificate of Deposit (CD)
Sterling offers a full complement of CD’s—including terms from 3 months to 5 years. Recent changes in FDIC insurance may affect your CD investments; a Sterling customer service representative can provide you information on the latest regulations.
Note: Please see your tax advisor for specific investment advice.
Sterling National Bank is a member of the Certificate of Deposit Account Registry Service (CDARS)—the easiest, most convenient way to obtain full FDIC insurance on CD deposits up to $50 million. Your entire investment is eligible for FDIC protection because it is broken into smaller amounts and placed with other banks that are members of the CDARS network.
Everything is handled through Sterling—you earn one interest rate, receive one regular statement detailing your entire portfolio, and at maturity, Sterling arranges disbursements or re-investment based on your direction.
Sterling Professional Checking
Our Professional checking account is an interest-bearing account that can be linked with additional checking, statement savings, money market, CD and/or IRA accounts; the combined balances can be applied towards the minimum average daily balance requirement.
Professional checking accountholders can take advantage of a tiered interest rate structure based upon account balance. Sterling also provides automatic rebates on fees charged at non-Sterling ATM’s (up to $15.00 per month). And as with all Sterling accounts, you receive a Sterling ATM/debit card, free online banking, bill payment and convenient e-statements.
A monthly maintenance fee will apply for accounts that do not meet the checking account average daily balance requirement of $25,000 (or $100,000 in all combined accounts).
Sterling Silver Checking
Sterling Silver Checking is a relationship-based account, linking your checking account with your statement savings, money market, CD and/or IRA accounts. The combined balances can be applied towards the minimum average daily balance requirement.
Sterling Silver accountholders receive a Sterling ATM/debit card, free online banking, bill payment and convenient e-statements. A monthly maintenance fee will apply for accounts that do not meet the checking account average daily balance requirement of $2,500 (or $3,500 in all combined accounts).
Individual Retirement Account (IRA)
Sterling offers a variety of IRA accounts—Individual, Spousal, Roll-over, and Roth IRA’s, available with fixed or variable interest rates.
Federal regulations regarding contribution and disbursement amounts change yearly; please speak to a Sterling representative who can provide you with the most recent regulations governing IRA accounts.
Sterling Silver Money Market Account
Our Sterling Silver Money Market Account offers the convenience of an interest bearing account with check writing privileges. Interest is compounded daily and is credited monthly.
Sterling Silver Savings Account
Grow your savings with the tiered interest rate feature of our Sterling Silver Savings account.
The interest you earn is compounded daily and credited monthly; deposits can be made in person, by mail, or by automatic recurring transfers from another Sterling account utilizing Sterling online banking.
Sterling At Work Program
Employees of businesses enrolled in the “Sterling At Work” program are entitled to receive a comprehensive package of complimentary financial services including:
- FREE checking—no minimum balance requirements with direct deposit of payroll or social security
- FREE first order of starter checks
- FREE online banking
- FREE online bill pay
- FREE ATM/Debit Card
- FREE ATM Services at Sterling ATM’s
All employees of the City of New York are eligible for the Sterling At Work program.
- Cash Management Services
The Sterling VISA® Debit Card allows you to make purchases at retail locations, online, on the phone—anywhere VISA is accepted. The card works just like a check, but with the convenience and versatility of a credit card. Plus you can get cash, transfer funds, and access your account balances at virtually any ATM. Each transaction will be reflected on your monthly statement, and can be viewed online with Sterling Online Banking.
Receive your statement faster, reduce paper waste and have your bank account information available at your fingertips—all with Sterling e-statements. Sterling e-statements are available in conjunction with all our deposit accounts. The day following the end of your statement period, you will receive an email alerting you that your statements are available for viewing. Simply login to your online banking account where you can view, print or save each month's stateement, including the front and back images of paid checks.
SNB Mobile allows Sterling National Bank personal accountholder to use their mobile smartphones to conduct their day-to-day banking anytime, anywhere. Customers can view account balances and transaction history, view account alerts, initiate account transfers and pay bills. SNB Mobile supports all account types including checking, savings, CD’s, money market, loans and lines-of-credit. Your your information is protected by 128-bit encryption, just as it is when you bank online. To begin using Sterling Mobile Banking, login to your Sterling Online Banking account and follow the enrollment steps. The SNB Mobile iPhone app is also available for free download at iTunes.com.
Online Banking and Bill Pay
Sterling Online Banking is the most convenient way for you to track and manage your personal finances—because you can bank virtually anywhere at anytime. Sterling’s secure website allows you to access account and loan information, verify account activity, make loan payments, transfer money, pay bills, view cleared checks, print statements and place stop payments.
- Loans & Other Services
Health Savings Account
Sterling’s Health Savings Account is a tax-exempt account allowing you to pay for qualified medical expenses you have incurred. With an HSA you can plan and save for medical expenses, potentially realize tax savings and the account remains active regardless of changes in employment. Your account is accessed through checks or a Sterling Debit Card and you can manage your account online through Sterling’s Online Banking. Your Sterling Customer Service Representative can provide the most current account qualifications and contribution limitations.
Residential Mortgage Loans
Sterling offers clients hands-on help every step of the way throughout the mortgage process—from pre-qualification right on through to closing. Our experience in all types of economic environments coupled with our knowledgeable team ensures we will find the right loan to meet your individual needs. Products include:
- Fixed Rate
- Adjustable Rate (ARM)
- First-time Home Buyer
- Conforming & Jumbo
- Interest Only
- No Income Verification
- FHA (Federal Housing Authority)
- VA (Veteran’s Administration)
Financing available for single or 2–4 family homes, second homes or investment properties, co-op or condos.
Safe Deposit Box
Protect your valuables, important documents and computer back-up disks by storing them in a Sterling Safe Deposit Box. Insurance agents also recommend homeowners keep photo documentation of their home’s contents stored in a safe deposit box in the event they become a victim of property loss from theft, fire, water, etc. Safe deposit boxes are available in several sizes and rented on an annual basis.
Traveler’s Checks & Gift Cards
Sterling National Bank clients can purchase American Express® Traveler’s Checks and Gift Cards in denominations from $20 to $100.
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