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If you need assistance, please contact Personal Client Services at 855-SNB-7500 (855-762-7500)
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Business Online Banking

Visit the Business Online Banking Education Center for information about logging in and using Business Online Banking.
If you need assistance, please contact Client Services at [email protected] or 855-274-2800.
e‑Treasury
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Safeguarding your online banking sessions is our top priority. For information about how you can help protect your online banking sessions, or if you need additional assistance with your e-Treasury log-in, please contact TM Service at [email protected] or 212-575-8020.


Download the Sterling e-Treasury Secure Browser

Download the Sterling e-Treasury Token Client


Business Online Banking

Visit the Business Online Banking Education Center for information about logging in and using Business Online Banking.
If you need assistance, please contact Client Services at [email protected] or 855-274-2800
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Plan for What Comes Next

IRA Retirement Savings

Diversify your retirement portfolio.

Take control of your retirement with a Sterling National Bank Individual Retirement Account (IRA). Whether you’re self-employed or looking to supplement your 401(k), we offer the right retirement savings solution to meet your needs, through your own single-point-of-contact, a Sterling Relationship Manager to help you learn more about your options.

Get Started Now

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Traditional IRA

Make annual tax-deductible contributions.

A Traditional IRA offers the benefits of tax-deferred savings growth as well as potential tax advantages. With this IRA, your contributions may be tax-deductible and only subject to tax when you withdraw them (without penalty) at age 59½ or older.* You can keep saving for retirement up to the age of 72 when you’re required to begin withdrawals–and may be in a lower tax bracket.

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Roth IRA

Pay taxes now, not during retirement.

Roth IRAs allow you to save for retirement with after-tax dollars so your qualified distributions are tax-free in retirement (at age 59½ and older with accounts five years and older.) Because these contributions are made with taxed dollars (and are therefore not taxable at withdrawal), a Roth may be right for you if you expect to be in a higher tax bracket come retirement.

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Rollover IRA

Transfer assets without taxes or penalties.

A Rollover IRA allows you to move funds from a former employer-sponsored retirement plan into an IRA most suitable for you (as opposed to the company sponsored plan which has a limited number of choices), while still keeping the tax-deferred status of your retirement assets. With a Rollover, you won’t have to pay current taxes or early withdrawal penalties during the transfer.

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Inherited IRA

A transfer of inherited retirement wealth.

An Inherited IRA allows beneficiaries to keep the funds of a now-deceased IRA owner growing tax-advantaged while still taking distributions. Because the recipient is not the owner, contributions or 60-day rollover deposits are not allowed.

Annual minimum distributions are required and are based on the life expectancy of the beneficiary; however, if the owner died after December 31, 2019, new rules state that the beneficiary must deplete the IRA within 10 years of the account owner’s death, with potential for exceptions.

SEP IRA

A big opportunity for smaller employers.

A Simplified Employee Pension (SEP) plan allows employers to set aside money in retirement accounts for themselves and their employees. Under a SEP, an employer contributes directly to a SEP IRA for all eligible employees, including themselves.

SIMPLE IRA

A retirement plan ideal for small businesses.

A Savings Incentive Match Plan for Employees (SIMPLE) IRA is a retirement savings alternative to a traditional 401(k) plan. Under a SIMPLE IRA, employees can defer a portion of their pay (known as salary deferral or salary reduction contributions) and their employer makes either a matching or non-elective contribution.

Ready to get started?

Put our banking solutions to work for your you. Contact a Relationship Manager today.

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*Consult your tax advisor for eligibility questions.

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