SterlingBank&Trust

Mobile Banking

Now, a Sterling Bank & Trust branch is as close as your pocket.

Sign up today for free Mobile Banking.

Having Sterling Bank & Trust Mobile Banking is like carrying your bank with you. You can access your accounts on the go, anywhere and anytime – and all for free*. After you’ve enrolled in mobile banking, use your mobile phone to text or access your account through your phone’s web browser (https://4myact.mobi/60392) – it’s your choice.

Or, from your Smart Phone, go to www.sterlingbank.com and download one of our FREE Mobile Banking Apps.

To learn more:

  • iPhone®, iPodtouch®, and iPad® mobile digital device: Click here to download our free app from the iTunes® Store.
  • Android™ Application: Click here to download our free app from the Android™ Market.
  • BlackBerry® smartphones: Click here to download our free app.
  • Mobile Phone Browser: Go to https://4myact.mobi/60392

What can you do with Sterling Bank & Trust Mobile Banking?

  • Check your balances.
  • Make transfers from one Sterling Bank & Trust account to another.
  • Look up transactions for the last 30 days.
  • Locate a branch or ATM.
  • Change your PIN.
  • Pay your bills.
  • Receive alerts you set up in Online Banking
  • Contact us.

Banking was never more convenient!

* Data charges may apply. Please check with your carrier.



Find Out More: Frequently Asked Questions

Getting Started…

What is Mobile Banking?

Mobile banking gives you efficient and secure access to your Sterling Bank & Trust account information right from your mobile phone. You can check balances, make transfers, and look up transactions from your mobile browser, our Apps for mobile digital devices, or from SMS or text messaging. And best of all it's free!

What do I need to sign up for free Mobile Banking?

  • You need to be enrolled in Online Banking.
  • You need to have a mobile phone capable of sending and receiving SMS or text messages.
  • If you plan on using one of our free mobile banking apps, you need to have a mobile phone with a browser and data plan. Text and data plan charges may apply depending on your plan with your mobile carrier.

Is Mobile Banking free?

Yes. Currently there is no charge from Sterling Bank & Trust for Mobile Banking. Data charges may apply based on your data plan with your mobile carrier. Please check with your carrier so you will be aware of potential charges.

Do I have to have a particular phone or service for Mobile Banking to work?

Possibly. There are several ways to access your account information using Mobile Banking: From a mobile browser, SMS text messaging, or one of our Smart Phone Apps.

  1. Mobile browser: This is usually included on most mobile phones today. Even if you have a browser, you will need to subscribe to a data plan with your carrier. We suggest you contact your carrier if you are not sure what services you have. (Data plan charges may apply.)
  2. SMS text messaging: For customers who are accustomed to text messaging with friends and family, you will find this service quick and easy to use. Your mobile phone must be capable of sending and receiving text messages for Mobile Banking to work. If you're unsure of your phone's text messaging capabilities, please check with your mobile provider.
  3. From your Smart Phone, go to www.sterlingbank.com and download one of our FREE Mobile Banking apps.
    • iPhone®, iPodtouch®, and iPad® mobile digital device: Click here to download our free app from the iTunes® Store.
    • Android™ Application: Click here to download our free app from the Android™ Market.
    • BlackBerry® smartphones: Click here to download our free app.
    • Mobile Phone Browser: Go to https://4myact.mobi/60392

Who can use Mobile Banking?

Personal deposit customers with Online Banking can enroll in Mobile Banking. Business customers with Cash Management Online Banking will be able to use Mobile Banking in the future.

How do I enroll in Mobile Banking?

  1. Log in to your Online Banking at www.sterlingbank.com. At the top of the screen click the Other Services button, then the Mobile button. Read the Mobile Disclaimer which contains the terms and conditions of use. Click "I Accept" to continue.
  2. Click the Enroll link and enter the requested information. User Name: Create a user name. You will key this in each time you access your Mobile Banking. This user name can be the same one you use for Online Banking, but it doesn’t have to. This will be your Mobile Login.
    • Mobile Number: Enter the phone number assigned to the mobile device you want to use for Mobile Banking acocunt.
    • PIN: Create a PIN. This is the PIN you will use for Mobile Banking.
    • Confirm PIN: Enter your PIN again for verification.
    • Select the Submit button. You will now go to your mobile device to complete the enrollment process.
  3. You will receive four SMS text messages on your mobile device.
    • The 1st text message will ask you to text Yes back to complete your enrollment.
    • The 2nd text message will state you’re enabled for Mobile Banking and the URL to use will be listed, which is https://4myact.mobi/60392 . When you go to this URL, you should bookmark it on your mobile device for future use.
    • The 3rd text message will state you’re enabled for SMS Mobile Banking (which is the ability to text the bank) and to send requests to 469228.
    • The 4th message will state you are registered for mobile banking. Text STOP to opt out HELP for help msg&Data rates may apply.

Will the challenge question I’m asked and the Passmark icon be the same as when I’m logging into Online Banking?

Yes. The same security we use for Online Banking is in place for Mobile Banking.

Will I receive a confirmation once my Mobile Banking enrollment in complete?

Yes. Following Mobile Banking enrollment, text messages are sent to the designated mobile phone.

Do you have a Mobile App for other mobile devices?

Yes. We have a variety of FREE Smart Phone Mobile Banking Apps. From your Smart Phone, go to www.sterlingbank.com and download one of our FREE Mobile Banking apps.

  • iPhone®, iPodtouch®, and iPad® mobile digital device: Click here to download our free app from the iTunes® Store.
  • Android™ Application: Click here to download our free app from the Android™ Market.
  • BlackBerry® smartphones: Click here to download our free app.
  • Mobile Phone Browser: Go to https://4myact.mobi/60392

What will I be able to do with Mobile Banking?

For your Sterling Bank & Trust accounts, you can see your account balances, the last 30 days of transactions, and even transfer funds from one account to another. You can also locate a branch or ATM location. And, for even more convenience, you can pay your bills too!

Can I view all my accounts through Mobile Banking?

Yes. You can view all accounts through Mobile Banking that you view through Sterling Bank & Trust's Online Banking. We suggest you assign Nicknames to your accounts in Online Banking for easy viewing in Mobile Banking.

How do I assign and change Nicknames in Online Banking?

Nicknames can be assigned and changed from the Nicknames button in Online Banking.

What are account Nicknames used for?

Nicknames make it easier for you to recognize which accounts you want to transfer funds between and lookup history for.

I have external accounts that display in my Online Banking. Will these show up in Mobile Banking too?

No. Only Sterling Bank & Trust accounts display in Mobile Banking.

Can I view transaction history on Mobile Banking?

Yes. By selecting Main Menu, you can then select the Transaction or Detail Statement option, and view transaction history for a specific account.

Can my Online Banking and Mobile Banking login names be the same?

Yes, but these login names are not required to be the same and we suggest using different names for enhanced security.

How do I change my Mobile Banking Personal Identification Number (PIN)?

From the Main Menu of Mobile Banking on your mobile device, select:

  1. Change PIN
  2. Enter old mobile PIN
  3. Enter new mobile PIN
  4. Re-enter new mobile PIN
  5. Select Submit

How many incorrect login attempts result in a Mobile Banking “lockout?”

Three unsuccessful attempts will result in a Mobile Banking “lockout.”

What should I do if I am locked out of mobile banking?

If you are locked out of mobile banking you'll need to reset your Mobile Banking PIN.

How do I reset my Mobile Banking PIN?

Login to Online Banking, select the Other Services button, select the Mobile button, select the Change Pin, enter a new PIN and re-enter it in the Confirm PIN field. Select Submit.

What happens if I change my mobile carrier or my mobile phone number?

If you have a new mobile phone number, please log in to your Online Banking account and click the Other Services button, the Mobile button, then Change Login Details, and enter your new mobile phone number. If you have a new mobile carrier, and your phone number hasn’t changed, then you don’t need to do anything. However, if you have a new mobile phone number with a new mobile carrier, simply enter the new mobile phone number.

What should I do if I lose my phone?

As soon as you are aware that your phone is lost, you should log in to your Online Banking account and disable your mobile access. This can be found under the Other Services button and then the Mobile button. This will prevent anyone who finds the phone from attempting to access your account. When you find your phone, you can then log back into Online Banking, and from the Mobile button, enable your mobile access. Remember to check your account for any unauthorized transactions.

What happens if I forget to Log Out of Mobile Banking?

Access to your Mobile Banking accounts will end after 5 minutes. The last screen you were on will be visible on your phone, however, when an option is selected from the displayed screen, you will be returned to the login screen.

Why, after 5 minutes, do I have to log back into Mobile Banking?

For your security protection, we have an automatic 5 minute time out. After 5 minutes, Sterling Bank & Trust will terminate your session to help protect you against unauthorized access.

How do I opt out of Mobile Banking?

To opt out of Mobile Banking, log in to Online Banking and from the Other Services button then the Mobile button select the Un-enroll link. Or, you can text one of the following commands to 469228:

  • STOP
  • STOP ALL
  • CANCEL
  • END
  • QUIT
  • UNSUBSCRIBE

If I forget my PIN or have other questions about Mobile Banking, what do I do?

If you forget your Mobile Banking PIN, log in to Online Banking, select the Other Services button, the Mobile button, and the Change PIN link. For other questions, please call 1-800-944-2265.

When will my ATM transactions post to my account and will I see them in Mobile Banking?

ATM transactions could take up to 24 hours to post to your account. Once posted, you will see them in Mobile Banking.

Like my online banking, can I pay bills in Mobile Banking?

Yes. You can initiate bill payments through Mobile Banking. Please note that you will continue to manage your overall Bill Payment experience (such as adding and deleting bills and changing billers) through Online Banking.

What does SMS mean?

SMS stands for Short Messaging Service. It is also called text messaging.

How many text messages will I receive daily?

When you complete enrollment, you will receive four SMS text messages confirming your registration. Thereafter, you will receive a message in response to each SMS text message request you submit. If you have a large number of accounts, you may receive more than one message in order to report all of your account balances. (SMS/Text messages can only be 160 characters, so long messages need to be broken apart.)

What number do I send SMS/text commands to?

  • Sterling Bank & Trust's short code is 469228. Send all SMS text message Mobile Banking requests to this number.
  • You can add 469228 as a contact in your mobile device. When you want to quickly get your balance, you would send Bal or B as a SMS text message to 469228.

What are some other SMS text commands I can use with Mobile Banking?

  • For balance inquiries, text one of the following to 469228, followed by the nickname of the account that displays in Online Banking:
    • BALANCE
    • BAL
    • B
  • To request a history of transactions, text one of the following to 469228:
    • Transactions
    • Statement

Do I always have to capitalize my SMS/text commands?

No. Text commands are not case sensitive. Sending "help", "HELP", or "Help" are all permitted.

How much will I be charged for each text message received?

You will be charged at the standard SMS rate agreed upon with your mobile carrier (Verizon Wireless, T-Mobile, etc.). Standard/other charges may apply. Sterling Bank & Trust is not responsible for these charges.

Where can I get a complete list of all the SMS/text commands?

Please view the table below for a complete list of SMS/Text commands.

How to Enroll in Free Mobile Banking

What do I need to sign up for free Mobile Banking?

  • You need to be enrolled in online banking.
  • You need to have a mobile phone capable of sending and receiving SMS or text messages to use the SMS text commands for Mobile Banking.
  • If you plan on using one of our free mobile banking apps, you need to have a mobile phone with a browser and data plan. Text and data plan charges may apply depending on your plan with your mobile carrier.

How to Enroll in Free Mobile Banking:

  1. Log in to your online banking at www.sterlingbank.com. At the top of the screen click the Other Services button, then the Mobile button.
  2. Read the Mobile Disclaimer which contains the terms and conditions of use. Click "I accept the Disclaimer" then the Submit button.
  3. Your current status is “Not Enrolled.” On the screen, click the enroll link to begin your enrollment.
  4. The Mobile Banking Credentials screen will display. Enter the requested information.
    • Mobile Login: Create a Mobile Login name. You will key this in each time you access your mobile banking. This Mobile Login name can be the same one you use for online banking, but it doesn’t have to. This will be your Mobile Login.
    • Mobile Number. This is the phone number for the mobile device you want to use for mobile banking.
    • PIN: This is the PIN you will use for mobile banking.
    • Confirm PIN: Enter your PIN again for verification.
    • Select the Submit button.
  5. You will receive four SMS text messages on your mobile device.
    • The 1st text message will ask you to text Yes back to complete your enrollment.
    • The 2nd text message will state you’re enabled for mobile banking and the URL to use will be listed, which is https://4myact.mobi/60392. When you go to this URL, you should bookmark it on your mobile device for future use.
    • The 3rd text message will state you’re enabled for SMS mobile banking (which is the ability to text the bank) and to send requests to 469228.
    • The 4th message will state you are registered for mobile banking. Text STOP to opt out HELP for help msg&Data rates may apply.

Mobile Banking From Your Phone's Web Browser

What is Mobile Banking?

Mobile Banking gives you access to your account(s) through the web browser on your mobile phone or by using your Smart Phone with one of our free apps. Once you’ve registered, you can use Mobile Banking from a web browser by simply entering the bank’s Mobile Banking address of https://4myact.mobi/60392 in your mobile browser. You will see a web page displaying the Sterling Bank & Trust Bank logo. This is where you will enter your ID and password information to access your account, perform account transfers, pay bills, locate branches/ATMs, and change your mobile PIN.

What is required to use Mobile Banking?

  • Online Banking access with Sterling Bank & Trust
  • Enrollment in Sterling Bank & Trust Mobile Banking
  • A mobile phone with a data plan for web access or a Smart Phone with WiFi access.
  • Note: Data plan charges may apply depending on your mobile phone plan with your carrier.

How do I access Mobile Banking?

  1. Open your mobile phone’s web browser.
  2. Enter the bank’s mobile URL of https://4myact.mobi/60392
  3. The following screen will display.
  4. Select the Mobile Login box and enter your Mobile Banking ID. This is the ID you created when you enrolled in Mobile Banking.
  5. Select the login button.
  6. Answer the challenge question and select the Authenticate button. (The challenge questions displayed in Mobile Banking are the same questions that you selected for your Online Banking.)
  7. Enter your Mobile Banking PIN by selecting the box next to the Mobile PIN. This is the PIN you created when you enrolled in Mobile Banking.
  8. Select the Login button.
  9. Once you have logged in, you will receive a screen with all your associated Online Banking accounts with corresponding balances. You will be able to select buttons and pull down menus to navigate as needed. You can also select the Menu button located on the top left of the screen to receive a list of available services. See the example below for the Menu button location.

When I select the Menu button, what does each option do?

The following options display from the Menu button. A complete description of each option is below.

  • Balance
  • Transactions
  • Detail Statement
  • Transfers
  • Pay Bill
  • Location Finder
  • Contact Us
  • Change PIN
  • Balance: All associated accounts and their current balances will display. The accounts linked to Mobile Banking are the same accounts you selected when registering for Sterling Bank & Trust's Online Banking. The accounts are listed by Nicknames you established in Online Banking. Nicknames can be modified within your Online Banking account. You may choose to display more information on certain accounts from the balance screen by selecting the View button located next to the account balance in which you wish to see more information. In the example below, Money Market was chosen by pressing the View button next to the account balance. See the example below for display of the Account Details screen. The Account Details screen shows the last two digits of the masked account number, account nickname, current balance, and type of account.
  • Transactions: Once you have selected the Transactions button, you will be prompted to select the account Nickname from the pull down menu and select submit. Transactions will display the last five transactions that occurred for the account selected. You can select each transaction to see the full description. See below for an example.
  • Detail Statement: Once you have selected the Detail Statement button, you will be prompted to select the account Nickname from the pull down menu and select the Submit button. The Detail Statement will display the last 30 days of transactions. This Detail Statement list will start with the most recent transaction date. Select Next to continue viewing transactions. Select Previous to return to the previous list of transactions. You will select each transaction description to receive more information about the transaction description. When you have completed viewing transactions, select the Back button to return to the detailed transaction screen. Select the Main Menu button to return to the Menu screen. See below for an example.
  • Transfers: You can transfer funds from one Sterling Bank & Trust account to another.
    1. Select the Transfers option from the Main Menu.
    2. Select the account Nickname from the Transfer From pull down menu.
    3. Select the account Nickname from the Transfer To pull down menu.
    4. Enter the dollar amount you wish to transfer in dollar and cents.
    5. Select the Submit button.
    6. Transfers will reflect as memo posted items in Mobile and Online Banking. Transfers will operate under the normal posting cutoff times as displayed in Online Banking.
  • Pay Bill: If you are enrolled in Online Banking Bill Pay, from Mobile Banking, you can make payments to any person or company that is already listed in the Payment Center of your Online Banking. The Biller Names that display in Online Banking will display in Mobile Banking for you to make payments to. For your security, you cannot add, manage or delete Biller Names from Mobile Banking. You must log into your Sterling Bank & Trust Online Banking to add, manage, or delete your Biller Names.
    1. Select the Pay Bill option from the Main Menu.
    2. Select a Payee using the pull down menu.
    3. Select the Submit button.
    4. The account number that the bill will paid out of will be the Default Account number that is setup in your Online Banking. Enter the Amount to be paid. The payment Delivery By date will default.
    5. Select the Submit button.

  • Location Finder: The Location Finder option will give you a list of branches, and/or ATMs for a specific ZIP code or region. The location finder will display the location name, physical address, lobby hours, and ATM functionality, if applicable. You will also be able to view a map of the location from your mobile browser.
  • Contact Us: The Contact Us option will display the bank’s phone number. With the iPhone, you will be able to select the bank’s phone number and place the call. The iPod touch attempts to import the contact number into the device's contact list when the Contact us option is selected.
  • Change PIN: The Change PIN option will allow you to change your PIN from the App. Select the Change PIN option from the Main Menu. Enter the Old Mobile PIN. Enter the New Mobile PIN (PIN must be 4-12 numeric characters only). Re-Enter the New PIN. Select the Submit button. You will receive the following message, “Your mobile PIN has been changed.” See the example below. Note: You can also perform a mobile PIN change through Sterling Bank & Trust Online Banking. Log into your Online Banking and select the Other Services button then the Mobile button.

How do I log out of Mobile Banking?

The Log Out link is located at the bottom of our Mobile Banking screen. This link is located on every Mobile Banking screen. You will use this option anytime you wish to exit Mobile Banking. Select the Log Out button to log out of your Mobile Banking App.

What else should I know about Mobile Browser security?

The XHTML channel uses the same security infrastructure that is used by Online Banking. This includes HTTPS encryption of all traffic between the mobile phone and the server. HTTPS encryption is done using industry-standard 128-bit AES public key encryption certificates. Integration with RSA Passmark for multifactor Authentication (MFA). The same MFA authentication scheme (device-recognition, challenge questions, images etc) is used as is the case with Online Banking. It is also suggested that the auto passcode lock on your device be used.

Sterling Bank & Trust Bank will never send you a text or email and ask for your account numbers, passwords or security questions.

SMS/Text Commands for Mobile Banking

What is SMS/Text Banking?

Short Message Service (SMS)/Text Mobile Banking lets you send text messages from your mobile phone to a designated service number to perform account balance inquiries, receive transaction history, perform balance transfers, or perform other various requests. Text messages must be in a specific format, which we detail below.

What is required to use SMS/Text Mobile Banking?

You will need the following:

  • Sterling Bank & Trust Online Banking Account
  • Enroll in Sterling Bank & Trust’s Mobile Banking service
  • Mobile phone capable of sending and receiving text messages
Note: SMS charges may apply depending on your mobile plan. Sterling Bank & Trust is not responsible for these charges.

How does SMS Mobile Banking Work?

You will perform the following actions:

  • From the mobile device you enrolled for Mobile Banking, text a SMS/Text command to the bank’s TEXT service number of 469228.
  • Shortly after, you will receive a text message with the information requested.
  • View the text message to see the information requested.

What is the acceptable SMS/Text command format?

Commands have an action, a parameter name and a value. Values may be used more than once in a command format. Each command must be separated by a space as follows:

For example:

  • Transfer 5.00 to Savings
  • Balance checking

Account values used by text commands do not contain your account number. The account value is the account nickname used in online banking. Account nicknames are descriptions assigned by default within online banking, or you can personalize them there (Budget Checking, Family Checking, Vacation Savings). For your security, never send account numbers. Use the account nicknames from online banking (checking, savings, etc.). The bank never replies to a command with your full account number. If account numbers are returned in a text, all digits are masked except for the last two digits.

Commands can have variations and can be shortened. Use dollars and cents in commands. In the case of zero cents, you can use whole dollar amounts.

For example:

  • Xfer to Savings (“xfer” is short for the transfer command and $10.00 is entered as 10)
  • b savings (“b” is short for the balance command)
  • history Checking (“history” is another option for the statement command)

What are acceptable commands and what do they do?

The following is a listing of all the SMS/Text Mobile Banking commands, descriptions, and examples. Send the following commands to 469228.

SMS/Text Command DescriptionsSMS/Text CommandsSMS/Text Command Examples
Balance inquiry on all linked accountsBALANCE
BAL
B		BALANCE
BAL
B
Balance inquiry for a specific accountBALANCE
BAL
B		BALANCE FAMILY CHECKING

BAL FAMILY CHECKING

B FAMILY CHECKING

“FAMILY CHECKING” is the nickname assigned to the account in online banking.
Account DetailsDETAILSDETAILS FAMILY CHECKING

“FAMILY CHECKING” is the nickname assigned to the account in online banking.
List of recent transactionsSTATEMENT
TRANSACTION
HISTORY
RECENT
TRAN
LOG		STATEMENT FAMILY CHECKING

TRANSACTIONS FAMILY CHECKING

HISTORY FAMILY CHECKING

RECENT FAMILY CHECKING

TRAN FAMILY CHECKING

LOG FAMILY CHECKING

“FAMILY CHECKING” is the nickname assigned to the account in online banking.
Internal transfer from primary account to another internal accountTRANSFER
XFER
X		TRANSFER 20.00 TO FAMILY SAVINGS

XFER 20.00 TO FAMILY SAVINGS

X 20.00 TO FAMILY SAVINGS

“FAMILY SAVINGS” is the nickname assigned to the account in online banking.
Internal account transfersTRANSFER
XFER
X		TRANSFER 100.00 FROM FAMILY CHECKING TO FAMILY SAVINGS

XFER 100.00 FROM FAMILY CHECKING TO FAMILY SAVINGS

X 100.00 FROM FAMILY CHECKING TO FAMILY SAVINGS
Receive instructions on how to get helpHELPHELP
Receive a list SMS/Text CommandsHELP ALLHELP ALL
Disable Mobile BankingSTOPSTOP
Disable a specific Mobile Banking channelSTOPSTOP ALL (will stop all Mobile Banking services)

STOP SMS
(stops SMS/Text Mobile Banking)

STOP XHTML
(stops browser Mobile Banking)
Sterling Bank & Trust Text Number469228469228

The following are examples of the SMS/Text message process.

Example 1 with a BALANCE command:

  1. You send a text to 469228 which reads: “BALANCE FAMILY CHECKING”
  2. You will receive a text back with your checking balance

Example 2 with a TRANSFER command:

  1. You send a text to 469228 which reads: “TRANSFER 100.25 FROM FAMILY SAVINGS TO FAMILY CHECKING”
  2. You will receive a text confirmation that $100.25 was transferred from your savings account to your checking account.

Example 3 with a TRANSFER command of whole dollars:

  1. You send a text to 469228 which reads: “TRANSFER 200 FROM FAMILY SAVINGS TO FAMILY CHECKING”
  2. You will receive a text confirmation that $200.00 was transferred from your savings account to your checking account.

How do I disable SMS/Text Mobile Banking or other Mobile Banking services?

For example:

  1. Text STOP TO 469228
  2. You will receive the message “What would you like to stop? TEXT STOP followed by ALL or SMS or XHTML
  3. Text one of the following back to 469228:
    • STOP ALL (stops both Mobile Banking services of SMS/Texting and browser Mobile Banking.)
    • STOP SMS (stops only the service of SMS/Texting in Mobile Banking)
    • STOP XHTML (stops only the service of browser Mobile Banking)
  4. You will receive a reply confirming your selection.
  5. STOP ALL reply: “You have been opted out of Mobile Banking. See http://www.sterlingbank.com or call 1.800.944.2265 for more info”
  6. STOP SMS reply: Your SMS Mobile Banking has been disabled. See http://www.sterlingbank.com or call 1.800.944.2265 for more info”
  7. STOP XHTML reply: “Your Mobile Browser banking has been disabled. See http:www.sterlingbank.com or call 1.800.944.2265 for more info”

The mobile services selected are disabled until you reactivate Mobile Banking by logging into your online banking account at www.sterlingbank.com and enroll into Mobile Banking again.

How do I know my SMS/text is secure?

  • Sterling Bank & Trust's Mobile Banking system uses the following security measures:
  • PIN data is encrypted using 3DES while in transit.
  • Our system checks the MSISDN of the mobile phone from which the SMS text is sent to ensure it matches with what we have in our system.
  • You never text your account number, only the account nickname. You can set the nicknames up in online banking.
  • As an additional security measure, please delete the text message from your mobile device after viewing.
  • Sterling Bank & Trust will never send you a text or email asking for your account number, password, or any other security question.

iPhone App for Mobile Banking

How does the App work with Mobile Banking?

Sterling Bank & Trust now has an application program (“App”), to access the bank’s Mobile Banking product. The Mobile Banking App works identically to the bank’s mobile browser banking to access account information, transfer between accounts in your online banking profile, locate branches/ATMs, and change Mobile Banking PIN information. You will not need to go through your device’s mobile browser to access Mobile Banking once you install the App from the iTunes® Store.

What devices work with the App?

Currently, the bank’s App works for Apple® mobile digital devices. These devices include:

  • iPhone® (all versions)
  • iPod touch® (2nd generation or higher)
  • iPad®

What are the requirements to use the App for Mobile Banking?

  • Online Banking access with Sterling Bank & Trust
  • Enrollment in Sterling Bank & Trust Mobile Banking
  • An iPhone, iPod touch, or iPad with a data plan for web access or WiFi access
  • Note: Data plan charges may apply depending on your mobile phone plan with your carrier.

How do I get the App for my mobile device?

You can install Sterling’s free App to your mobile device one of two ways:

  • From your iPhone, iPod touch, or iPad, go to the iTunes App Store. Search for “Sterling Bank & Trust” and install the App. Other key words you can search in the App Store include Sterling Bank, Sterling, and Mobile Banking.
  • Or, from your PC with internet or WiFi access, go to the iTunes Store, search for Sterling Bank & Trust and download the App, then sync your mobile device.

What can I do with the Sterling Bank & Trust Mobile Banking App?

Once the App is installed, simply select the bank’s icon from your mobile device and the Sterling Bank & Trust Mobile Banking App will display. The App can perform several functions.

  • Mobile Banking: This option will allow you to access Mobile Banking services identical to the mobile browser banking of https://4myact.mobi/60392
  • Locate Branches: This option can locate the nearest branch to your mobile device’s current location. It uses location finder services of your mobile device to determine your position. It can also display a map to the branch from your current location, if selected.
  • Locate ATMs: This option can locate the nearest Sterling Bank & Trust ATM to your mobile device's current location. It uses location finder services of your mobile device to determine your position. It can also display a map to the ATM from your current location, if selected.
  • Voice Banking: This option allows an iPhone user to call our voice banking system.
  • Note: Location finder must be enabled on your mobile device to work properly. Also, location finder may not work on the iPod touch as the WiFi connection may not be registered with location finder databases used by Apple. Registered public WiFi points vary from location to location, and home WiFi services are usually not registered with this service.
  • Below is an example of the Sterling Bank & Trust Mobile Banking App once it the application has been launched.

How do I access Mobile Banking from the Sterling Bank & Trust Mobile Banking App?

  1. Select the Sterling Bank & Trust Mobile Banking App from your mobile device desktop.
  2. Select Mobile Banking from the initial App screen.
  3. Select the Mobile Login box and enter your Mobile Banking ID. This is the ID you created when you enrolled in Mobile Banking.
  4. Select the login button.
  5. Answer the challenge question and select the Authenticate button. (The challenge questions displayed in Mobile Banking are the same questions that you selected for your Online Banking account.)
  6. Enter your Mobile Banking PIN by selecting the box next to the Mobile PIN. This is the PIN you created when you enrolled in Mobile Banking.
  7. Select the Login button.

Once you have logged in, you will receive a screen with all your associated Online Banking accounts with corresponding balances. You will be able to select buttons and pull down menus to navigate as needed. You can also select the Menu button located on the top left side of the screen to receive a list of available services. See the example below for the Menu button location.

When I select the Menu button, what does each option do for me?

The following options display from the Menu button. A complete description of each option is below.

  • Balance
  • Transactions
  • Detail Statement
  • Transfers
  • Pay Bill
  • Location Finder
  • Contact Us
  • Change PIN
  • Balance: All associated accounts and their current balances will display. The accounts linked to Mobile Banking are the same accounts you selected when registering for Sterling Bank & Trust's Online Banking. The accounts are listed by Nicknames you established in Online Banking. Nicknames can be modified within your Online Banking account. You may choose to display more information on certain accounts from the balance screen by selecting the View button located next to the account balance in which you wish to see more information. In the example below, Money Market was chosen by pressing the View button next to the account balance. See the example below for display of the Account Details' screen. The Account Details screen shows the last two digits of the masked account number, account nickname, current balance, and type of account.
  • Transactions: Once you have selected the Transactions button, you will be prompted to select the account Nickname from the pull down menu and select submit. Transactions will display the last five transactions that occurred for the account selected. You can select each transaction to see the full description. See below for an example.
  • Detail Statement: Once you have selected the Detail Statement button, you will be prompted to select the account Nickname from the pull down menu and select the Submit button. The Detail Statement will display the last 30 days of transactions. This Detail Statement list will start with the most recent transaction date. Select Next to continue viewing transactions. Select Previous to return to the previous list of transactions. You will select each transaction description to receive more information about the transaction description. When you have completed viewing transactions, select the Back button to return to the detailed transaction screen. Select the Main Menu button to return to the Menu screen. See below for an example.
  • Transfers: You can transfer funds from one Sterling Bank & Trust account to another.
    1. Select the Transfers option from the Main Menu.
    2. Select the account Nickname from the Transfer From pull down menu.
    3. Select the account Nickname from the Transfer To pull down menu.
    4. Enter the dollar amount you wish to transfer in dollar and cents.
    5. Select the Submit button.
    6. Transfers will reflect as memo posted items in Mobile and Online Banking. Transfers will operate under the normal posting cutoff times as displayed in Online Banking.
  • Pay Bill: If you are enrolled in Online Banking Bill Pay, from Mobile Banking, you can make payments to any person or company that is already listed in the Payment Center of your Online Banking. The Biller Names that display in Online Banking will display in Mobile Banking for you to make payments to. For your security, you cannot add, manage or delete Biller Names from Mobile Banking. Please log into your Sterling Bank & Trust Online Banking to add, manage, or delete your Biller Names.
    1. Select the Pay Bill option from the Main Menu.
    2. Select a Payee using the pull down menu.
    3. Select the Submit button.
    4. The account number that the bill will paid out of will be the Default Account number that is setup in your Online Banking. Enter the Amount to be paid. The payment Delivery date will default.
    5. Select the Submit button.
  • Location Finder: The Location Finder option will give you a list of branches, and/or ATMs for a specific ZIP code or region. The location finder will display the location name, physical address, lobby hours, and ATM functionality, if applicable. You will also be able to view a map of the location from your mobile browser.
  • Note: Location finder must be enabled on your mobile device to work properly. Also, location finder may not work on the iPod touch as the WiFi connection may not be registered with location finder databases used by Apple. Registered public WiFi points vary from location to location, and home WiFi services are usually not registered with this service.
  • Contact Us: The Contact Us option will display the bank’s phone number. With the iPhone, you will be able to select the bank’s phone number and place the call. The iPod touch attempts to import the contact number into the device's contact list when the Contact us option is selected.
  • Change PIN: The Change PIN option will allow you to change your PIN from the App. Select the Change PIN option from the Main Menu. Enter the Old Mobile PIN. Enter the New Mobile PIN (PIN must be 4-12 numeric characters only). Re-Enter the New PIN. Select the Submit button. You will receive the following message, “Your mobile PIN has been changed.” See the example below. Note: You can also perform a mobile PIN change through Sterling Bank & Trust's Online Banking. Log into your Online Banking account and select the Other Services button then the Mobile button.

Is Mobile Banking only accessible by using the App from my iPhone or iPod touch?

The App was specifically designed to be used by the iPhone, iPod touch, or iPad. However, if you prefer, you do not have to use the App. Instead you can access Mobile Banking from the mobile web browser at https://4myact.mobi/60392 or by using SMS/Texting in Mobile Banking. For a list of text commands, please visit www.sterlingbank.com.

How do I log out of Mobile Banking?

The Log Out button is located at the top of right side of the Mobile Banking App. This button is located on every Mobile Banking screen. You will use this option anytime you wish to exit Mobile Banking. Select the Log Out button to log out of your Mobile Banking App.

What else should I know about App Security?

  • Keep your Mobile Banking secure on your iPhone or iPod touch by only installing Apps available from the iTunes Store.
  • The App does not store any sensitive data, such as your login ID or PIN in the phone.
  • As an additional security measure, please follow the manufacturer’s guidelines in terms of keeping your mobile device’s operating system up-to-date.
  • Sterling Bank & Trust will never send you a text or email and ask for your account numbers, passwords, or other security questions.

Android App for Mobile Banking

How does the App work with Mobile Banking?

Sterling Bank & Trust now has an application program (“App”), to access the bank’s Mobile Banking product. The Mobile Banking App works identically to the bank’s mobile browser banking to access account information, transfer between accounts in your online banking profile, pay bills, locate branches/ATMs, and change Mobile Banking PIN information. You will not need to go through your device’s mobile browser to access Mobile Banking once you install the App from the Android™ Market.

What are the requirements to use the App for Mobile Banking?

  • Online Banking access with Sterling Bank & Trust
  • Enrollment in Sterling Bank & Trust Mobile Banking
  • An Android™ device with a data plan for web access or WiFi access
  • Note: Data plan charges may apply depending on your mobile phone plan with your carrier.

How do I get the App for my mobile device?

You can install Sterling’s free App to your mobile device one of two ways:

  • From your Smart Phone, go to www.sterlingbank.com and download our free app from the Android™ Market.
  • Or, from your Smart Phone, go to the Android™ Market and search for “Sterling Bank & Trust” and install the App. Other key words you can search in the App Store include Sterling Bank, Sterling, and Mobile Banking.

What can I do with the Sterling Bank & Trust Mobile Banking App?

Once the App is installed, simply select the bank’s icon from your mobile device and the Sterling Bank & Trust Mobile Banking App will display. The App can perform several functions.

  • Mobile Banking: This option will allow you to access Mobile Banking services identical to the mobile browser banking of https://4myact.mobi/60392
  • Locate Branches: This option can locate the nearest branch to your mobile device’s current location. It uses location finder services of your mobile device to determine your position. It can also display a map to the branch from your current location, if selected.
  • Locate ATMs: This option can locate the nearest Sterling Bank & Trust ATM to your mobile device's current location. It uses location finder services of your mobile device to determine your position. It can also display a map to the ATM from your current location, if selected.
  • Voice Banking: This option allows an iPhone user to call our voice banking system.
  • Note: Location finder must be enabled on your mobile device to work properly. Also, location finder may not work on the iPod touch as the WiFi connection may not be registered with location finder databases used by Apple. Registered public WiFi points vary from location to location, and home WiFi services are usually not registered with this service.
  • Below is an example of the Sterling Bank & Trust Mobile Banking App once the application has been launched.

How do I access Mobile Banking from the Sterling Bank & Trust Mobile Banking App?

  1. Select the Sterling Bank & Trust Mobile Banking App from your mobile device desktop.
  2. Select Mobile Banking from the initial App screen.
  3. Select the Mobile Login box and enter your Mobile Banking ID. This is the ID you created when you enrolled in Mobile Banking.
  4. Select the login button.
  5. Answer the challenge question and select the Authenticate button. (The challenge questions displayed in Mobile Banking are the same questions that you selected for your Online Banking account.)
  6. Enter your Mobile Banking PIN by selecting the box next to the Mobile PIN. This is the PIN you created when you enrolled in Mobile Banking.
  7. Select the Login button. Once you have logged in, you will receive a screen with all your associated Online Banking accounts with corresponding balances. You will be able to select buttons and pull down menus to navigate as needed. You can also select the Menu button located on the top left side of the screen to receive a list of available services. See the example below for the Menu button location.

When I select the Menu button, what does each option do for me?

The following options display from the Menu button. A complete description of each option is below.

  • Balance
  • Transactions
  • Detail Statement
  • Transfers
  • Pay Bill (if applicable)
  • Location Finder
  • Contact Us
  • Change PIN

  • Balance: All associated accounts and their current balances will display. The accounts linked to Mobile Banking are the same accounts you selected when registering for Sterling Bank & Trust's Online Banking. The accounts are listed by Nicknames you established in Online Banking. Nicknames can be modified within your Online Banking account. You may choose to display more information on certain accounts from the balance screen by selecting the View button located next to the account balance in which you wish to see more information. In the example below, Money Market was chosen by pressing the View button next to the account balance. See the example below for display of the Account Details' screen. The Account Details screen shows the last two digits of the masked account number, account nickname, current balance, and type of account.
  • Transactions: Once you have selected the Transactions button, you will be prompted to select the account Nickname from the pull down menu and select submit. Transactions will display the last five transactions that occurred for the account selected. You can select each transaction to see the full description. See below for an example.
  • Detail Statement: Once you have selected the Detail Statement button, you will be prompted to select the account Nickname from the pull down menu and select the Submit button. The Detail Statement will display the last 30 days of transactions. This Detail Statement list will start with the most recent transaction date. Select Next to continue viewing transactions. Select Previous to return to the previous list of transactions. You will select each transaction description to receive more information about the transaction description. When you have completed viewing transactions, select the Back button to return to the detailed transaction screen. Select the Main Menu button to return to the Menu screen. See below for an example.
  • Transfers: You can transfer funds from one Sterling Bank & Trust account to another.
    1. Select the Transfers option from the Main Menu.
    2. Select the account Nickname from the Transfer From pull down menu.
    3. Select the account Nickname from the Transfer To pull down menu.
    4. Enter the dollar amount you wish to transfer in dollar and cents.
    5. Select the Submit button.
    6. Transfers will reflect as memo posted items in Mobile and Online Banking. Transfers will operate under the normal posting cutoff times as displayed in Online Banking.
  • Pay Bill: If you are enrolled in Online Banking Bill Pay, from Mobile Banking, you can make payments to any person or company that is already listed in the Payment Center of your Online Banking. The Biller Names that display in Online Banking will display in Mobile Banking for you to make payments to. For your security, you cannot add, manage or delete Biller Names from Mobile Banking. Please log into your Sterling Bank & Trust Online Banking to add, manage, or delete your Biller Names.
    1. Select the Pay Bill option from the Main Menu.
    2. Select a Payee using the pull down menu.
    3. Select the Submit button.
    4. The account number that the bill will paid out of will be the Default Account number that is setup in your Online Banking. Enter the Amount to be paid. The payment Delivery date will default.
    5. Select the Submit button.
  • Location Finder: The Location Finder option will give you a list of branches, and/or ATMs for a specific ZIP code or region. The location finder will display the location name, physical address, lobby hours, and ATM functionality, if applicable. You will also be able to view a map of the location from your mobile browser.
  • Note: Location finder must be enabled on your mobile device to work properly. Also, location finder may not work on the iPod touch as the WiFi connection may not be registered with location finder databases used by Apple. Registered public WiFi points vary from location to location, and home WiFi services are usually not registered with this service.
  • Contact Us: The Contact Us option will display the bank’s phone number. With the Android™ device, you will be able to select the bank’s phone number and place the call.
  • Change PIN: The Change PIN option will allow you to change your PIN from the App. Select the Change PIN option from the Main Menu. Enter the Old Mobile PIN. Enter the New Mobile PIN (PIN must be 4-12 numeric characters only). Re-Enter the New PIN. Select the Submit button. You will receive the following message, “Your mobile PIN has been changed.” See the example below. Note: You can also perform a mobile PIN change through Sterling Bank & Trust's Online Banking. Log into your Online Banking account and select the Other Services button then the Mobile button.

Is Mobile Banking only accessible by using the App from my Android™ device?

The App was specifically designed to be used by the Android™ device. However, if you prefer, you do not have to use the App. Instead you can access Mobile Banking from the mobile web browser at https://4myact.mobi/60392 or by using SMS/Texting in Mobile Banking. For a list of text commands, please visit www.sterlingbank.com.

How do I log out of Mobile Banking?

The Log Out button is located at the top of right side of the Mobile Banking App. This button is located on every Mobile Banking screen. You will use this option anytime you wish to exit Mobile Banking. Select the Log Out button to log out of your Mobile Banking App.

What else should I know about App Security?

  • Keep your Mobile Banking secure on your Android™ device by only installing Apps available from the Android™ Market.
  • The App does not store any sensitive data, such as your login ID or PIN in the phone.
  • As an additional security measure, please follow the manufacturer’s guidelines in terms of keeping your mobile device’s operating system up-to-date.
  • Sterling Bank & Trust will never send you a text or email and ask for your account numbers, passwords, or other security questions.

Mobile Banking Security - Protecting Your Personal Information

Mobile Banking is convenient and can save you time by allowing you to check your balances and process simple transactions, but how do you make sure it is secure? Here are ways you can protect your information while using your mobile device:

  • Treat your mobile device with the same level of care as you would a credit card. If it is lost or stolen and you have not protected it adequately, you may be at risk.
  • Password-protect your mobile device.
  • Always keep your mobile device in a safe place.
  • Do not send confidential information in e-mail or text messages (e.g., account numbers). It is important to understand that text messages are not encrypted the same way your mobile device information is. If someone gains access to your phone, they will be able to view any text messages sent or received that have not yet been deleted.
  • Delete messages that contain account information, including account balances, and any alerts you receive on a regular basis.
  • Only download information (photos, ring tones, video clips, etc.) from trusted sources.
  • Follow the same rules you use on your computer with respect to opening e-mail and attachments. Similar to phishing attacks on your computer, SMiShing attacks involve fraudsters using text messages with links in them on your mobile device. The fraudsters will use these text messages in an attempt to:
    • Get you to download unsuspecting software containing viruses. Never open or respond to a text message from someone you do not know, and proceed with caution even if it comes from someone you do know.
    • Take you to a "spoofed" or fake Web site that is masquerading as a Sterling Bank & Trust site and request your account credentials (e.g. password, user ID, etc.)
  • Install antivirus software on your mobile device. Contact your carrier for specific information on available antivirus software for your device.
  • If you are concerned about the sites you are accessing from your mobile device, turn on the "show URL" or "show address bar" option so that you can see the actual site addresses to ensure they start with "https." Check the information that came with your device for specific instructions.

If you have questions about how the security features available on your mobile device work, contact your carrier. If you have questions about Sterling Bank & Trust Mobile Banking, contact a customer service representative at 1-800-944-2265.