Sterling Rewards
Take it to the bank and get rewarded! If you're looking to add value to your every day checking account, then we have the account for you, by earning interest, receiving ATM refunds, and much more!
Rewards
- ATM surcharges1 refunded up to $15 per month
- First box of checks at no charge
- Tiered interest rates
- Unlimited transactions
Requirements
- $5,000 in Sterling Rewards Checking or
- $25,000 combined balance2 between Checking / Savings / CD / Loans or
- Trust Relationship
- $25.00 service charge and forfeiture of rewards if requirements are not met
eServices
- Bank Online
- Online Bill Pay at no charge* if at least one bill is paid/processed per month
- eStatements
- Mobile Banking
- Debit Card
- Credit Card
1 An ATM surcharge is the fee that the owner of the non-SNBT ATM may charge for a transaction conducted with a Debit Card or ATM card. All checking accounts receive unlimited use of any SNBT eTeller ATM. The first 4 ATM transactions per calendar month at non-SNBT ATMs are at no charge; thereafter $1.50 each.
2 Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit.
Rates
*Effective as of 7/2/2022
| Amount | Interest Rate | APY* | Compounded |
|---|---|---|---|
| $0.01 - $24,999.99 | 0.13% | 0.13% | Monthly |
| $25,000.00 - $99,999.99 | 0.17% | 0.17% | Monthly |
| $100,00.00 - $499,99.99 | 0.20% | 0.20% | Monthly |
| $500,00.00 - or More | 0.23% | 0.23% | Monthly |
*Your interest rate and Annual Percentage Yield (APY) may change at our discretion, at any time without notice.
Additional Features
- Overdraft Protection:
- Transfers money from another deposit account into your checking account.
- A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
- Ready Credit:
- Transfers funds from a line of credit into your checking account.
- A small annual charge is assessed and you only pay interest on the funds actually used, which costs less than continual overdraft charges.
- Overdraft Consideration:
- We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
- An overdraft charge may apply for this discretionary service.
- Available in addition to the overdraft services listed above.
- Learn the details of Overdraft Consideration
- Opt-In Overdraft Service:
- May help you avoid having your transactions automatically declined.
- Applies only to ATM and everyday Debit Card transactions.
- An overdraft charge may apply if this service is used to complete your transaction.
- Learn More about Overdraft Services here.
- Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.
- Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.
- Keep valuable information and important documents safe.
- The gift that's always the perfect size for any occasion.
- Businesses can use this to reward employees and thank customers.
- Reorder your checks here:
- https://orderpoint.deluxe.com/personal-checks/welcome.htm?execution=e1s1
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