*APY = Annual Percentage Yield. The APY only applies to new accounts and existing accounts with an additional deposit of $25,000 that is not already in another account at Sterling Bank and Trust, FSB or is in a Certificate of Deposit at Sterling Bank and Trust, FSB which matured today or within the past 7 days. APY is effective as of 09/07/2023 and is subject to change without notice. Minimum balance requirements. You must deposit $25,000 to open this account. Maximum balance is $1 million. To qualify for the APY, you must open an Eagle Club Checking account. In addition, you must apply for membership into an Ambassador Money Market Club account, make an opening deposit of $25,000 into an Ambassador Money Market Club Account, and maintain a minimum monthly statement cycle balance of $25,000. Rates are compounded daily and paid on the entire balance in the account on a monthly basis. Fees may reduce earnings if the average minimum monthly statement cycle balance is not maintained. Club membership is not automatically triggered by the balance in your account. You must apply for and maintain the minimum balances specific to each club. Please contact an employee for further information about fees and terms.

^**Offer not available to existing Sterling checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 2 years. Offer good for only one time use and only for one new Eagle Checking Account. To receive the bonus: 1) Open a new Sterling Eagle Checking Account with a minimum opening deposit of $500 and must maintain a $500 balance to avoid fees. All account applications are subject to approval; 2) must have a minimum of 2 reoccurring $500 monthly direct deposits made to this account within 120 calendar days of account opening. Your direct deposits needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to person payments (such as Zelle), transfers from one account to another, mobile deposits, deposits made at a branch, or ATM does not qualify as a direct deposit. Cannot be automatic transfers from your Sterling savings, money market or other deposit account you have at the bank; 3) Must also enroll in Sterling online banking to qualify.

0.40% APY. The Annual Percentage Yield (APY) is effective as of 09/07/2023 and is subject to change without notice. APY may vary between states due to market conditions. Rates are compounded daily and credited monthly on the entire balance in the account. No minimum balance to earn APY. Fees may reduce earnings. Bonus Payment: The new Eagle Checking account must remain open throughout the 120-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a zero balance may be closed. After you have completed all requirements, the bonus will be deposited into your new Eagle Checking Account up to 130 days after account opening. Bonus is considered interest and will be reported on the IRS Form 1099-INT. You are responsible for any federal, state, or local taxes due on the bonus. Please consult your tax advisor for more information. Promotion begins on 09/07/2023 and may be ended at any time without notice. Other restrictions may apply.

¹All ATM cash withdrawal fees charged by non-Sterling Bank & Trust, FSB ATMs will be rebated within five (5) business day of the fees posting to your account. Other fees, such as foreign transaction fees, may apply.

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