| Region / Service | Phone Number | Notes |
|---|---|---|
| General Customer Service (Michigan Headquarters) | 1-800-944-BANK (2265) | (Available Mon–Fri: 7 a.m. – 7 p.m. PT, Sat: 9 a.m. – 1 p.m. PT) |
| Mortgage Lending Department | 1-866-372-7815 | Regional support line |
| Business Banking Support | 1-800-944-2265 | Ask for Commercial Banking |
| Report Lost/Stolen Debit or ATM Card | 1-800-944-2265 | 24/7 automated support |
| California Branches (San Francisco & Los Angeles) | NA | Local branch numbers are listed on the official website under branch locator |
Sterling Bank & Trust, FSB is a privately held community bank headquartered in Southfield, Michigan. Founded in 1984, the bank has grown to become the largest independent community bank in Michigan, with additional branches in San Francisco and Los Angeles, California.
Sterling Bank & Trust specializes in personalized community banking services, with an emphasis on residential mortgage lending, retail banking, and business banking. The bank is particularly well-known for its innovative portfolio mortgage lending programs, which serve clients who may not fit traditional mortgage lending criteria — including self-employed individuals and international clients.
The bank currently manages billions in assets and focuses on maintaining a relationship-driven banking model that balances local decision-making with customer-focused services.
Personal Banking: Checking, savings, certificates of deposit (CDs), IRAs, and personal loans.
Home Loans & Mortgages: Conventional mortgages, jumbo loans, refinancing, and non-traditional mortgage products for unique client needs.
Business Banking: Small business accounts, commercial real estate loans, treasury services, and lending solutions.
Digital Banking: Online banking, mobile banking app, bill pay, and electronic statements.
Specialized Lending: Known for customized mortgage programs for self-employed borrowers and real estate investors.
Sterling is widely respected for its customer-centric culture, financial strength, and commitment to communities through sponsorships, charitable giving, and financial literacy initiatives.