Sterling Federal Bank, F.S.B.

Headquarters: Sterling, Illinois
Charter: Bank
Assets: $481.6M
Fed district: Chicago

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 29, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Sterling Federal Bank, F.S.B.: $30
Sterling Federal Bank, F.S.B.: $30
U.S. median: no median
NSF / Returned Item
Sterling Federal Bank, F.S.B.: $30
Sterling Federal Bank, F.S.B.: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Sterling Federal Bank, F.S.B.: $30
Sterling Federal Bank, F.S.B.: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Sterling Federal Bank, F.S.B.’s own schedules, with a source for each figure.

Account Maintenance

Early Closeout$25
Reconciliation/Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Statement$5
Not compared: Charged per statement; comparison unavailable
per statement · Undeliverable Statement: $5.00/statement

Overdraft & NSF

Paid NSF Charge$30
per item
Paid Overdraft Charge$30
per item
Returned NSF Charge$30
per item
Continuous Negative Balance Charge$5
Returned NSF Charge daily maximum$150
per item

ATM & Card

Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers: Outgoing$30
per item
Wire Transfers: Incoming$15
per item
Wire Transfers: Foreign Outgoing$70
per item
Foreign Incoming$50
per item

Check Services

Cashiers Check$5
per item
Money Order$3
per item
Stop Payment$30
per item
Temporary Checks$4
Check Copies$3
per item

Cash & Deposit

Deposited Item Returned$6
per item

Account Services

Notary$1
per item
Annual Fee 10 x 10$60
per year
Annual Fee 3 x 10$30
per year
Annual Fee 3 x 5$20
per year
Annual Fee 5 x 10$40
per year
Annual Fee 5 x 5$25
per year
Annual Fee 7 x 10$50
per year
Key Replacement$8
Not compared: Box drilling or key fee
per item
Late Payment$5
Not compared: Monthly charge, not annual
per month
Replacement Key$20
Not compared: Box drilling or key fee
per item
Garnishment$100
per item
Garnishment/Levy/Subpoena$100
per item
Levy$100
per item
Subpoena$100
per item

Lending Fees

Late Payment$5
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Transfer Out$50
per item

Gift & Prepaid Cards

Gift Card$4.95
per item
Miscellaneous: Travel Card Reload$4.95
per item
Travel Card Reload$4.95
per item

Other Fees

Fax$3
Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Closeout	$25	Not stated	None
Reconciliation/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Statement	$5Not compared: Charged per statement; comparison unavailable	per statement	Undeliverable Statement: $5.00/statement
Overdraft & NSF
Paid NSF Charge	$30	per item	None
Paid Overdraft Charge	$30	per item	None
Returned NSF Charge	$30	per item	None
Continuous Negative Balance Charge	$5	Not stated	None
Returned NSF Charge daily maximum	$150	per item	None
ATM & Card
Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers: Outgoing	$30	per item	None
Wire Transfers: Incoming	$15	per item	None
Wire Transfers: Foreign Outgoing	$70	per item	None
Foreign Incoming	$50	per item	None
Check Services
Cashiers Check	$5	per item	None
Money Order	$3	per item	None
Stop Payment	$30	per item	None
Temporary Checks	$4	Not stated	None
Check Copies	$3	per item	None
Cash & Deposit
Deposited Item Returned	$6	per item	None
Account Services
Notary	$1	per item	None
Annual Fee 10 x 10	$60	per year	None
Annual Fee 3 x 10	$30	per year	None
Annual Fee 3 x 5	$20	per year	None
Annual Fee 5 x 10	$40	per year	None
Annual Fee 5 x 5	$25	per year	None
Annual Fee 7 x 10	$50	per year	None
Key Replacement	$8Not compared: Box drilling or key fee	per item	None
Late Payment	$5Not compared: Monthly charge, not annual	per month	None
Replacement Key	$20Not compared: Box drilling or key fee	per item	None
Garnishment	$100	per item	None
Garnishment/Levy/Subpoena	$100	per item	None
Levy	$100	per item	None
Subpoena	$100	per item	None
Lending Fees
Late Payment	$5Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Transfer Out	$50	per item	None
Gift & Prepaid Cards
Gift Card	$4.95	per item	None
Miscellaneous: Travel Card Reload	$4.95	per item	None
Travel Card Reload	$4.95	per item	None
Other Fees
Fax	$3	Not stated	None
Photocopies	$0.25	per item	None

Correct a fee source

Oct 29, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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