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Effective February 29, 2012, Sterling Savings Bank acquired substantially all the assets of First Independent Bank. Sterling Savings Bank is a Washington state-chartered bank that operates under the following registered trade names: Sterling Bank, First Independent Bank and Sonoma Bank.  Sterling Savings Bank operates as Sonoma Bank only in the State of California.  Sterling Savings Bank, Sterling Bank, First Independent Bank and Sonoma Bank are the same FDIC-insured institution.  Deposits held under Sterling Savings Bank or any of its trade names are not separately insured by the FDIC, but are combined to determine whether a depositor has exceeded the federal deposit insurance limit.

Choices selected for Choice and ChoicePlus must be made at account opening. (1) Subject to availability. Annual fee waived for first year only. (2) Overdraft (OD) fees are $35 per item when the overdraft created is $25.01 or greater; $10 per item when the overdraft created is between $5.01–$25; and no fee per item when the overdraft created is $5 or less, with a daily maximum of $210. Transactions where the OD fee may be imposed include checks and other debits cashed at our teller window, Automated Teller Machine (ATM) withdrawals, debit card/check card transactions, Electronic (ACH) debit transactions, pre-authorized or automatic debits, checks issued to a third party and Indy Online transactions. The amount of any overdraft created by paying the item and our OD fees is due within 28 days of the date the account became overdrawn. If items presented against your account exceed the predetermined overdraft coverage amount, returnable items, such as checks and electronic debits, will be returned. Some of the circumstances under which the bank will not pay an overdraft include accounts suspended from the service (if overdraft wasn’t cleared within 28 days), accounts that opted out from the service, new accounts (accounts opened less than 90 days), accounts with legal orders outstanding, accounts with signers under the age of 18 and dormant accounts. (3) Overdraft protection must be taken from a First Independent Savings or Money Market Account. (4) One introductory package of 50 wallet checks from First Independent’s check vendor. (5) Contact Client Services to request.