Frequently Asked Questions

Opening a new account with Sterliq Bank is quick and easy. You can apply online in just a few minutes by clicking the "Open Account" button at the top of any page. You'll need to provide:

• Valid government-issued photo ID (driver's license, passport, or state ID)
• Social Security Number or Tax ID
• Proof of address (utility bill, lease agreement, or bank statement)
• Initial deposit amount (minimum varies by account type)

The entire process typically takes 5-10 minutes, and your account can be activated within 24 hours.

Minimum balance requirements vary by account type:

Our Basic Checking account has no monthly maintenance fee. Other accounts may have monthly fees that can be waived by meeting certain requirements:

• Maintain minimum daily balance
• Set up direct deposit
• Link multiple accounts
• Be under 25 years old (Student accounts)

Visit our account comparison page or speak with a banker to find the best account for your needs.

Yes! You can open multiple checking and savings accounts to help organize your finances. Many customers maintain separate accounts for different purposes such as bills, savings goals, emergency funds, and everyday spending. You can easily transfer money between your accounts through online banking or our mobile app at no charge.

To close your account, you can visit any branch location or call our customer service at +1-800-AURELIA. Before closing:

• Ensure all pending transactions have cleared
• Transfer or withdraw your remaining balance
• Update any automatic payments or direct deposits
• Cancel any linked debit cards
• Keep records of your final statements

There are no fees for closing an account, but accounts closed within 90 days of opening may incur an early closure fee of $25.

Sterliq Bank uses industry-leading security measures to protect your information:

• 256-bit SSL encryption - The same level used by major financial institutions
• Multi-factor authentication - Additional verification for sensitive transactions
• Fraud monitoring - 24/7 automated systems detect unusual activity
• Secure login - Account lockout after multiple failed attempts
• Regular security updates - Continuous system improvements and patches

Your deposits are also FDIC insured up to $250,000 per depositor.

If you notice any suspicious activity on your account, take immediate action:

Our fraud team will investigate immediately and work with you to resolve any unauthorized charges. You are protected from unauthorized transactions when you report them promptly.

You can reset your password in several ways:

Two-factor authentication (2FA) adds an extra layer of security to your account. After entering your password, you'll need to provide a second form of verification:

• SMS Code: Receive a one-time code via text message
• Email Code: Get a verification code sent to your email
• Authenticator App: Use apps like Google Authenticator or Authy
• Biometric: Fingerprint or facial recognition on mobile devices

We strongly recommend enabling 2FA for maximum account security. You can set this up in your account settings under "Security Preferences."

Transfer times vary depending on the type:

Standard transfer limits are:

• Internal Transfers: No limit between your accounts
• ACH Transfers: $10,000 per day, $50,000 per month
• Wire Transfers: $25,000 per day (can be increased upon request)
• Mobile Deposits: $5,000 per check, $10,000 per day
• ATM Withdrawals: $500 per day (can be adjusted in settings)

Higher limits are available for premium account holders. Contact us to request a limit increase.

Setting up bill pay is easy through online banking or our mobile app:

1. Log in to your online banking account
2. Navigate to "Bill Pay" in the main menu
3. Add payee by entering company name and your account number
4. Schedule payment - choose one-time or recurring
5. Review and confirm payment details

Bill Pay is free with most checking accounts. You can schedule payments up to a year in advance and set up automatic recurring payments for regular bills.

Yes! Sterliq Bank offers several convenient ways to send money:

The Sterliq Bank mobile app is available for both iOS and Android devices:

Simply search for "Sterliq Bank" in your device's app store. The app is free to download and offers full banking functionality including mobile check deposit, bill pay, and instant notifications.

Our online banking platform works best with the latest versions of:

For the best experience, please keep your browser updated to the latest version and enable JavaScript and cookies.

Stay informed about your account activity by enabling notifications:

1. Log in to your account via web or mobile app
2. Go to Settings → Notifications
3. Choose your preferences:
   • Transaction alerts (purchases, withdrawals)
   • Low balance warnings
   • Bill payment reminders
   • Suspicious activity alerts
   • Promotional offers
4. Select delivery method: Push notifications, email, or SMS
5. Save your preferences

If you're experiencing login issues, try these troubleshooting steps:

Note: For security, accounts are locked after 5 failed login attempts. Contact support to unlock your account.