Personal Checking

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*Minimum opening deposit is only $50. Non-sufficient funds, overdraft, and other fees as disclosed in the fee schedule may apply. You can earn a $250 reward when the following three items are met within the first 60 days of Account Opening: If you have 15 or more debit card transactions posted to your personal checking account AND enroll in the Round Up to Save Program*** AND complete deposit(s) of $800 or more to your personal checking account. The $250 reward will be credited to your personal checking account the next business day following the 61st day of Account Opening. The reward is a one time offer and available for a limited time. Bank rules and regulations apply. The Annual Percentage Yield for the Completely Free + Interest Checking Account is 0.05%. Annual Percentage Yields are accurate as of date of publication. The Rates are subject to change after account opening without notice. Fees on any account could reduce earnings.

**The uChoose Rewards Program is available on open and active accounts as designated by Sterling Bank. uChoose Rewards is a registered trademark of Fiserv, Inc. All other brand, product, and service names and logos are marks and/or trademarks of their respective owners. For more information, click the “Terms and Conditions” link at www.uchooserewards.com. uChoose Rewards is not an affiliate of Sterling Bank.

***The Round Up to Save Program is available on open and active personal accounts as designated by Sterling Bank. To enroll, customers must be in good status and an owner on the selected Sterling Bank Personal Checking Account with a corresponding VISA® Sterling Bank Debit Card. Sterling Bank Personal Maximum Savings Account and Personal Christmas Club Account are eligible for account owners to select as a receiving account for Round Up to Save. Customers enrolling in Round Up to Save can also choose another customer’s eligible Personal Sterling Bank Maximum Savings Account or Personal Christmas Club Account (by name or account number) to receive the Round Up savings. Savings will vary based on the number of purchases and purchase amounts made using your VISA® Sterling Bank Debit Card. External accounts at other financial institutions are not eligible to receive Round Up to Save proceeds. Both signature and PIN transactions made with VISA® Sterling Bank Debit Cards qualify for Round Up to Save transactions. ATM transactions do not qualify. Round Up to Save transactions will be funded via a transfer from the personal checking account associated with your VISA® Sterling Bank Debit Card to the designated Personal Maximum Savings Account or Personal Christmas Club Account. Debit card purchases eligible for service will be calculated nightly and one total credit will be made to the designated Personal Maximum Savings Account or Personal Christmas Club Account. The debit and credit will appear on your online banking account and periodic account statement. For a transaction to round up, the checking account balance must be sufficient to process the transaction, and the transaction amount must not be a whole dollar amount. A round up will not occur if the account balance is zero, negative or becomes zero after the round up transaction. If your debit card purchase is subsequently cancelled or reversed, the corresponding round up transfer will remain in the Personal Maximum Savings Account or Personal Christmas Club Account. We may cancel or modify the Round Up to Save Program at any time without prior notice. Checking account/Savings account service fee structure, interest and all other terms and conditions remain unchanged by enrollment in the Round Up to Save service. Fees may reduce overall earnings. You can enroll, opt-out or change the eligible designated receiving account at any time by contacting your local branch.