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Sterling Solutions Package

No matter which Sterling Solutions investment account you decide to choose, we know you will enjoy sterling convenience and value with the Sterling Solutions Package of services linked to your investment account..

Online banking is provided for all accounts as well as an American Sterling Bank ATM/Visa Check Card and CLARA, our telephone banking access.  You will have 24 hours a day, 7 days a week access to your account information and money.

All of our investments offer you competitive rates and the peace of mind that comes with the full faith and backing of the United States Government!

You have direct access to your bank accounts 24 hours a day, 7 days a week with Online Banking. This service is "FREE" with your American Sterling Bank account.

Rate Information: A Certificate of Deposit is an interest bearing account. The maturity term, interest rate, annual percentage yield, minimum opening balance, required daily minimum balance, and any applicable grace period for new accounts are included in the Rate Sheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the specific certificate you select from the list of available certificates. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the required minimum balance, specified for your certificate, in your account each day to obtain the disclosed annual percentage yield.

Limitations. To open an account, you must deposit at least the minimum amount required for the certificate you select. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature at the time specified for the certificate you select. If you withdraw any of the principal before the maturity date, we may impose a penalty of an amount equal to the simple interest for the penalty period, specified for the certificate you selected, that could have been earned on the deposit had the funds remained on deposit until maturity and may require a reduction in the principal sum of this deposit. This account will automatically renew unless you give us instructions to the contrary. If there is a grace period for withdrawing funds without a penalty following the maturity of this account, that grace period will be specified for the certificate you selected.

Rates in effect.
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Other Bank Services are available to you on a fee basis.

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Our Sterling Money Market Account provides a low minimum balance to open, competitive tiered rates and the convenience of checking. Earn higher interest with higher balances and easy access to your money.  Our money market accounts provide you the convenience of checking but at higher rates than traditional savings.

This is a variable rate account.  Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time and there are no maximum or minimum interest rate limits for this account.  You must maintain a minimum average daily balance of $2,000 to obtain the disclosed annual percentage yield. 

Online banking is featured on all accounts and teamed with an American Sterling Bank Visa Check Card and CLARA (our telephone banking module); you’ll have 24-hours a day, 7 days a week access to your money.  You can use the Check Card as an ATM (PIN-based) debit card or Check Card.

• Low minimum opening balance ($100.00)
  
• Unlimited over-the-counter transactions
  
• Limit of six withdrawals per statement cycle, three of which may be checks to third parties.
  
• No monthly maintenance fee with a average daily balance of $1,000 or more; $10.00 monthly fee for $750 to $999 average daily balance; and $12.00 monthly fee for $0 to $749 average daily balance.
  
• Interest will be compounded monthly and will be credited to your account. See our Rate Sheet for current rates. If you close your account before interest is credited, you will not receive the accrued interest.
   
• Overdraft Privilege (after 60 days and regular deposits)
  
• American Sterling Bank Visa Check Card
  
• Free Online Banking

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