Last Updated: 01/21/2026
Sterling United FCU Sterling Advantage Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.15% - 3.40%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Sterling United FCU Sterling Advantage Checking Account Review
The Sterling United FCU Sterling Advantage Checking Account is offered by Sterling United Federal Credit Union, a credit union founded in 1956 and based in Evansville, IN. Sterling United FCU Sterling Advantage Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 3.40% annual percentage yield (APY). This account offers an annual percentage yield of up to 3.40%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $0.01.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $5.00 to open an account.
- No ATM fees. Sterling United FCU Sterling Advantage Checking Account does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Sterling United Federal Credit Union mobile or online banking.
Sterling United FCU Sterling Advantage Checking Account Pros & Cons
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Sterling United FCU Sterling Advantage Checking Account FAQ
Are checking accounts from Sterling United Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Sterling United FCU Sterling Advantage Checking Account offer?
Sterling United FCU Sterling Advantage Checking Account offers an APY starting at 0.15% and ranging up to 3.40% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $0.01.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.15% - 3.40% |
What are the account minimums for Sterling United FCU Sterling Advantage Checking Account?
Sterling United FCU Sterling Advantage Checking Account requires a minimum initial deposit of $5.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Sterling United FCU Sterling Advantage Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $6.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $8.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $8.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Sterling United FCU Sterling Advantage Checking Account charge overdraft fees?
Yes, Sterling United FCU Sterling Advantage Checking Account charges a $28.00 fee for every overdraft.What features and perks does Sterling United FCU Sterling Advantage Checking Account offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
What is the customer support email for Sterling United FCU Sterling Advantage Checking Account?
The customer support email for Sterling United FCU Sterling Advantage Checking Account is sufcu@sufcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
8:30AM - 5:00PM
Saturday
Closed