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RETAIL BANKING > BUSINESS BANKING > CHECKING |
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Who We Are . . . What We Do . . . |
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Sign In To Business Online Banking  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. |
Business Checking Accounts |
Positive Pay - Learn about it |
About Positive Pay
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| We offer a variety of business services to help meet your business needs…no matter what size your business.
Once you choose one of our Sterling Solutions checking accounts, we know you will enjoy sterling convenience and value. Online banking is available on all accounts and teamed with an American Sterling Bank ATM/Visa Check Card and CLARA, our telephone-banking module, you will have 24 hour a day, 7 days a week access to your financial information and money. You can use the VISA Check Card as an ATM card, a debit card, a check card or a VISA credit card. |
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| 50/50 Business Checking |
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Our 50/50 Business Checking account is designed to meet business needs on a smaller scale. This account comes with our Sterling Solutions that help make banking fast and convenient and is perfect for sole proprietors, non-profit organizations and small businesses.
Contact Us Today! |
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Regular Checking |
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Our 50/50 Business Checking account is designed to meet business needs on a smaller scale. This account comes with our Sterling Solutions that help make banking fast and convenient and is perfect for sole proprietors, non-profit organizations and small businesses.
Contact Us Today! |
| Superior Business Checking |
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Does your business have moderate transaction activity? Then our Superior Business Checking account is a perfect solution for your business needs. A moderate average balance avoids service charge and we provide generous deposit/check activity. This account comes with our Sterling Solutions that help make banking fast and convenient.
Contact Us Today! |
| Comprehensive Business Checking |
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Comprehensive Business Checking is for those corporate accounts with high balances and higher transaction activity. In addition to a generous deposit and check limit, the Comprehensive account also provides an earnings credit to help set off any potential fees. This account comes with our Sterling Solutions that help make banking fast and convenient.
Contact Us Today! |
| Business NOW Interest Checking |
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Combines the best of unlimited checking and savings. This account is available to sole-proprietors, non-profit organizations and public entities. At our discretion, we may change the interest rate on your account at any time and there are no minimum or maximum rate limits for this account. Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. This account comes with our Sterling Solutions Package that help make banking fast and convenient.
Rates in effect. |
| Business Money Market Checking |
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Earn higher interest with higher balances with easy access to your money. Our money market accounts provide you the convenience of checking but at higher rates than traditional savings. We offer two value accounts Business Money Market and Sterling Money Market Elite based on your opening balance! You choose which suits your needs best. We also have a partnership with Raymond James Financial Services to provide wealth management information; financial and retirement planning; education planning; and small business solutions! Free Financial Portfolio Reviews are available. Contact any one of our personal bankers to schedule a meeting! Online Banking is featured on all accounts and teamed with an American Sterling Bank ATM/Visa Check Card and CLARA, our telephone banking module; you'll have 24/7 access to your money. You can use the VISA Check Card as an ATM card, a debit card, a Check Card or a VISA credit card. Please check out the money market checking account types that interest you, and learn more about our Sterling Solutions Package. |
| Commercial Money Market |
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Our Business Money Market Account provides a low minimum balance to open, competitive tiered interest rates and the convenience of checking. You may make up to six withdrawals per statement cycle, three of which may be checks to third parties. At our discretion, we may change the interest rate on your account at any time and there are no minimum or maximum interest rate limits for this account. Interest will be compounded and credited monthly to your account. If you close your account before the interest is credited, you will not receive the accrued interest.
Rates in effect. |
| Sterling Money Market Elite |
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Our Elite Money Market Account is designed to offer the most competitive rates while keeping your funds easily available. With higher balance requirements, you receive higher rates! You may make up to six withdrawals per statement cycle, three of which may be checks to third parties.
Contact Us Today! See our Rate Sheet for current rates on this account. 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. Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. Balance Requirements - You must deposit $10,000 to open this account. If the average daily balance falls below $2,000, the following service charge will be assessed: $0-2,000 - $12.00 service charge. You must maintain a minimum average daily balance of $2,000.00 to obtain the disclosed annual percentage yield. Interest will not be paid if the minimum average daily balance of $2,000 is not maintained. Rates in effect. |
| Business Internet Banking Positive Pay |
| Business Internet Banking Positive Pay (BIBPP)
is part of the Business Internet Banking Suite of cash management solutions, including ACH,
Cash Concentration, Information Reporting and Wires. All Business Internet Banking products
are seamlessly integrated with all other Business Internet Banking products. (BIBPP) provides you an opportunity to make explicit decisions for payment on check items that have been presented on their accounts. This ability can give you the security that comes from knowing you have a safeguard against losing money through fraudulent or invalid checks, leaving you more time to dedicate to revenue-producing tasks. BIBPP gives you a comprehensive, integrated product that imports and creates check issuance files. The system reconciles your uploaded check issuance files against the presentment files and produces an exception file that is made available to you to make decisions on whether you want to pay them or not. Now you have a reliable, proven service that facilitates your involvement in the check approval process and protects you against check fraud. How Business Internet Banking Positive Pay Benefits You:
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