Online Banking User Guide | Online Bill Pay User Guide
You can sign up for Sterling Bank’s on line banking service by completing and submitting our easy to use On Line Application. Upon our receipt and acceptance, we will e-mail you (to the email address you provide) your Initial Customer Id and Personal Identification Number (PIN). Initially, your pin will be set to the last four digits of your tax payer identification number.
To ensure a high level of security and performance, you will need a connection to the Internet, and a Web Browser that supports 128-bit SSL encryption, such as Microsoft Explorer version 5.0 and higher or Netscape Navigator 4.7 and higher. You may contact either of these vendors for a current copy of their browser.
To begin banking online go to the Home page of Sterling Bank’s web site, http://www.sterlingnj.com. From this screen you can sign on and access our on line banking services by entering your Customer ID and Personal Identification Number (PIN). After you have entered your Customer ID and PIN, click on the Login button to submit your sign-on information.
A 12-digit number assigned by Sterling Bank. Once you are set up, you can create an alias for your ID number that is easier for you to remember. Your customer ID is issued randomly by the system and cannot be changed.
After your first successful login, you will be prompted to change your PIN. Your PIN can be any 4-8 AlphaNumeric combination.
Note: Each customer is allowed three sign-on attempts. After the third invalid attempt, the system will lock you out for a 24-hour period from the time you attempted to sign on. If you forgot your PIN, you will have to call us to have your PIN reset. Once you login successfully, you can change your PIN.
The Account Listing page is the first page you will see after you login. As a security measure, the system will also show the last time you logged in and the total number of times you have logged in. You can reset the login counter from the Account Management page. To view your account information you can select “View Accounts” or scroll down to your account information. From the Account Listing page you can also initiate transfers, view current transactions, view range of transactions between dates, enter stop payments, access Account Management, download transactions, access BillPay (bill payment service), or get Help. To log out of on line banking select “Exit”.
From the Account Listing page you can view all of the accounts you have set up to access through on line banking. Initial account names are based on default system account descriptions. However, you can personalize the descriptions by going to the Account Management page and selecting Change Pseudo Account Name.
By choosing this selection you will be able to view current statement transactions. It will also provide you with the unique ability to simply click on any check number in order to view an image of the front and back of the check.
Enables you to view prior statements and transactions.
This option provides you with the flexibility to look up transactions by dollar amount range, check number range or even date range.
Follow the menu prompts to complete required information in order to place your stop payment request.
- Enter date of check to stop.
- Enter check number (or range of checks) to stop.
- Enter the range of amounts (or exact amount) to stop.
- Enter payee of the check to stop.
- Enter any remarks.
Click on the Submit button. You will then receive a Stop Payment confirmation page. It is recommended that you print this page for your records.
This option is selected from the drop-down menu on the Account Listing page. To initiate a transfer between accounts you should
- Select the account to transfer the funds from by using the drop-down menu on the Account Listing page.
- Choose transfer funds from this account from the drop down menu, then click GO.
- On the transfer funds page select the account to transfer funds to by clicking on the check box next to the account name. In the amount to transfer box enter the amount, including cents that you would like to transfer.
- Optional: If you wish to make the transfer a recurring scheduled transfer, select the frequency and dates from the available options at the bottom of the page. The default for transfers is “one time”.
To process your transfer, click on the Submit button at the bottom of the page. After you complete the transfer, a page displaying the information about the transfer and a confirmation number will appear. It is recommended that you print this page for your records.
The Account Management page gives you the option to change your PIN or personal ID (Alias), reset your login counter, change account names, and change display options, confirm or change your e-mail address, and create an account watch system to track balance limits or transactions.
With this option you can change your PIN at any time and as many times as you wish. The PIN you choose must be 4-8 numbers or letters in length. If you ever forget your PIN, contact the bank and we can reset it for you. You will be prompted to change your PIN upon your first successful sign-on
Change Personal ID (Alias)
You can change your on line banking Customer ID from the 12-digit bank assigned number to something easier for you to remember (alias). The Alias that you choose must be between 4 and 12 characters long with no spaces or special characters. The ID cannot begin with a number, but may include numbers in it. All ID's are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID.
Reset Login Count
From here you can reset the login counter for your on line banking ID. It will inform you that the counter has been reset. When you go back to the View Accounts / Account Listing page you will see that your login count is 0.
Change Pseudo Account Name
Each account that you have access to through on line banking will be initially set up with a default name created by the banking system. If you wish to change the name of any accounts to something more personal, you can do so here. Valid account names can include upper and lowercase letters, spaces, and any number between 0 and 9.
Display Options
Select how many accounts you wish displayed on the account-listing page.
Here you may choose from available options in order to receive notification when a transaction is paid or received. In addition, you may select account balance limits and be alerted when your balance falls out of your pre-selected range. You may also select specific checks and be notified upon their payment from your account. Finally, you even have the ability to write and store personal alert messages for your selected accounts.
Sterling Bank On Line has an option to download account transactions into a personal finance application such as Quicken or Microsoft¨ Money. You can also download your account information into a text file or spreadsheet format. To download transactions do the following:
- From the Download Transactions page, select the account you would like to download transactions from.
- Select the range of transactions to download.
- Select a format for the type of software you are downloading to
- Open Financial Exchange (.OFX - Microsoft¨ Money), (.QFX - for Intuit¨ Quicken)
- Intuit Interchange Format (.IIF – for Intuit QuickBooks)
- Personal Finance (.QIF – Quicken, etc.)
- Spreadsheet (.CSV - Excel, Lotus, etc.)
- Word Processing (.TXT - Plain text document).
Click on Continue to initiate the download. Then, click on the link at the bottom of the page to finalize the download.
Click here to view Sterling Bank’s On Line Banking Agreement and Disclosure
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