Frequently Asked Questions

Yes! Use the "Link External Accounts" feature to securely view balances and transactions from other financial institutions in one place.

In online or mobile banking, go to "Notifications" under settings. You can enable text, email, or push notifications for deposits, withdrawals, and more.

To enroll in online banking:

1. Go to secure.sterrabank.com
2. Click "Enroll Now"
3. Enter your account number, SSN, and other requested information
4. Create your username and password
5. Set up security questions and two-factor authentication
6. Accept the terms and conditions

You'll receive a confirmation email once enrollment is complete.

If you're having trouble logging into the mobile app:

1. Check your internet connection - Switch between WiFi and mobile data
2. Update the app - Make sure you have the latest version from the App Store or Google Play
3. Clear cache - Go to your device settings > Apps > Sterra Bank > Clear cache
4. Reset password - If you've forgotten your password, use the "Forgot Password" link
5. Contact support - If issues persist, call (410)-514-7825

To deposit checks using your mobile device:

1. Open the Sterra Bank mobile app
2. Select "Deposit" from the menu
3. Choose the account for deposit
4. Enter the check amount
5. Take photos of the front and back of the endorsed check
6. Review and submit the deposit

Important: Keep the physical check for 14 days after deposit, then destroy it.

You can activate your new Sterra Bank debit card in three ways:

1. Online: Log in to online banking and go to Card Services > Activate Card
2. Phone: Call 1-800-555-1234 (the number on the card sticker)
3. ATM: Make a withdrawal or balance inquiry using your PIN

You'll need to provide the card number and your personal information for verification.

If your card is lost or stolen:

1. Immediately freeze your card: Through the mobile app or online banking
2. Call us: (410)-514-7825 (24/7 support)
3. Monitor transactions: Review recent activity for unauthorized charges
4. Request replacement: We'll overnight a new card for $10 fee (waived for fraud cases)

You're protected by our $0 Liability Guarantee for unauthorized transactions when reported promptly.

Yes. You can set daily spending and withdrawal limits through the mobile app under "Card Controls".

Absolutely. Just notify us in advance of your travel dates to avoid transaction blocks. Foreign transaction fees may apply.

To apply for a Sterra Bank personal loan:

1. Visit the Loan Application Portal
2. Choose your loan type and amount
3. Fill out your personal and employment information
4. Submit required documents (e.g., proof of income, ID)
5. Get a decision within 1-2 business days

Alternatively, you can apply at a local branch or over the phone.

• Personal Loans: Unsecured loans up to $50,000
• Auto Loans: New and used vehicle financing
• Home Equity Loans: Fixed-rate borrowing against home equity
• Mortgages: Fixed and adjustable-rate home loans
• Student Loans: Undergraduate and graduate loan options

Yes! Sterra Bank allows early loan payoff with no prepayment penalties. You can make extra payments at any time through online banking or at a branch.

Yes, we offer refinancing options for personal, auto, and mortgage loans. Visit your nearest branch or call us for more details.

Most personal and auto loans are approved within 1–2 business days. Mortgage and home equity approvals may take up to 10 business days depending on documentation.

We use industry-leading security protocols to protect your data, including:

• 256-bit SSL encryption for all online communications
• Real-time fraud monitoring and alerts
• Two-factor authentication (2FA) on all accounts
• Biometric login options (Face ID, fingerprint)

We will never call or email asking for your password or PIN.

Take the following steps immediately:

1. Log into online banking and freeze your card or account
2. Call Sterra Bank Security at (410)-514-7825
3. Review recent transactions and report unauthorized charges
4. Reset your passwords and update your security settings

Your account is covered by our $0 Fraud Liability Policy.

Forward suspicious emails or texts to security@sterrabank.com. Do not click on links or download attachments. If you entered information, change your login credentials immediately.

Click "Forgot Password" on the login screen of online or mobile banking. You'll be asked to verify your identity before resetting your password.

Yes, we partner with IDSafe™ to offer free basic identity monitoring and optional premium protection plans. Visit our Security Center for more info.