How to Easily Check Sterling Bank Account Balance

Knowing your bank account balance is crucial for managing your finances effectively. Sterling Bank offers several convenient methods to check your account balance. In this article, we will explore these methods step-by-step and provide you with a comprehensive guide on how to easily check your Sterling Bank account balance.

Importance of Checking Your Sterling Bank Account Balance

There are several reasons why it is important to keep track of your account balance. While some of the main reasons include security and accountability, other reasons cannot also be over looked. Below are some of the importance of checking your Sterling Bank account balance regularly:

1. Financial Awareness and Control

Checking your Sterling Bank account balance provides you with essential information about your financial standing. It allows you to have a clear understanding of the funds available to you, ensuring that you are aware of your financial resources. By regularly monitoring your account balance, you can gain better control over your expenses, make informed financial decisions, and avoid overspending. Financial awareness is the first step towards effective money management, and checking your account balance helps you achieve that.

2. Budgeting and Planning

Knowing your Sterling Bank account balance allows you to create and maintain an accurate budget. By tracking your income and expenses in relation to your account balance, you can plan your spending accordingly. It helps you allocate funds for essential needs, savings, investments, and other financial goals. Without a clear picture of your account balance, it becomes challenging to create a realistic budget and stay on track with your financial plans. Regularly checking your account balance enables you to make adjustments and ensure that your spending aligns with your financial objectives.

3. Avoiding Overdrafts and Fees

One of the primary benefits of checking your Sterling Bank account balance is avoiding overdrafts and associated fees. Overdrafts occur when you spend more money than what is available in your account. By staying informed about your account balance, you can prevent overdrafts by ensuring that you have sufficient funds before making any transactions. This helps you avoid costly overdraft fees and penalties imposed by the bank. Regularly monitoring your account balance serves as a safety measure, protecting your finances from unnecessary expenses.

4. Detecting Unauthorized Transactions

Checking your Sterling Bank account balance on a regular basis enables you to identify any unauthorized transactions promptly. By monitoring your account balance and reviewing your transaction history, you can spot any suspicious activities or unfamiliar charges. If you notice any unauthorized transactions, it is crucial to report them to the bank immediately. Timely detection and reporting of unauthorized transactions can help protect your account from fraudulent activities and minimize potential financial losses.

5. Monitoring Account Activity

Regularly checking your Sterling Bank account balance allows you to monitor your account activity effectively. You can keep track of deposits, withdrawals, transfers, and other financial transactions. Monitoring your account activity ensures that all transactions are accurate and aligned with your financial activities. If you identify any discrepancies or errors, you can promptly contact the bank to rectify the situation. Being proactive in monitoring your account activity helps maintain the integrity of your financial records and promotes financial transparency.

How to Easily Check Sterling Bank Account Balance

Sterling Bank provides convenient and easy way to check your account balance through their various banking platforms. These methods can be accessed with your phone and they are secure. Below are the ways you can check your Sterling bank account balance:

1. Online Banking

Online banking provides a convenient way to access your account information anytime, anywhere. To check your Sterling Bank account balance online, follow these steps:

  1. Visit the official website of Sterling Bank.
  2. Log in to your online banking account using your credentials.
  3. Locate the account balance section on the dashboard or account summary page.
  4. The displayed balance will indicate the current amount in your account.
2. Mobile Banking App

Sterling Bank offers a mobile banking app that allows you to check your account balance on your smartphone. Here’s how you can do it:

  1. Download and install the Sterling Bank mobile banking app from your app store.
  2. Open the app and log in using your credentials.
  3. Navigate to the account balance section within the app.
  4. The app will display your current account balance.
3. Sterling Bank USSD Code

You can also check your account balance using the Sterling Bank USSD code service. This method is simple and easy, it can be done on your phone. It also does not require internet access or a smart phone, therefore anyone can use it. Follow these steps below to use the Sterling Bank USSD code service:

  1. On your mobile phone, open the dialer or phone app.
  2. Dial the USSD code for checking your Sterling Bank account balance: *822#
  3. After dialing the code, press the “Call” or “Send” button.
  4. Wait for a few moments as the USSD request is processed.
  5. You will receive a pop-up or on-screen menu with options related to your Sterling Bank account.
  6. Select the option for “Check Balance” or a similar phrase from the menu.
  7. The system will process your request and retrieve your Sterling Bank account balance.
  8. Shortly after, you will receive a message displaying your current account balance on your mobile phone screen.

Note: Make sure you have sufficient network signal to successfully complete the USSD request. Also, keep in mind that Sterling Bank may charge a nominal fee for using the USSD service, which will be deducted from your account balance.

4. ATM

Using an ATM is a popular method for checking your account balance. Follow these steps when using a Sterling Bank ATM:

  1. Locate a Sterling Bank ATM nearby.
  2. Insert your ATM card into the machine.
  3. Enter your PIN to proceed.
  4. Select the “Balance Inquiry” option on the screen.
  5. The ATM will display your account balance.
5. Customer Service

If you encounter any difficulties or prefer personalized assistance, you can contact Sterling Bank’s customer service to inquire about your account balance. Here’s how:

  1. Dial the Sterling Bank customer service hotline 07008220000.
  2. Follow the automated voice prompts to reach the account balance inquiry section.
  3. Provide the required information to the customer service representative.
  4. The representative will provide you with your account balance.
6. Sterling Bank Branch

If you prefer a more traditional approach to checking your Sterling Bank account balance, you have the option to visit a bank branch in person. Checking your account balance at the bank branch allows for face-to-face interaction and provides you with the opportunity to ask any questions or address specific concerns you may have. Below is how to go about it:

  1. Locate the nearest Sterling Bank branch. You can use the bank’s official website, mobile app, or contact their customer service for assistance in finding the nearest branch.
  2. Plan your visit to the bank during their working hours. Check the bank’s operating hours to ensure that you visit at a convenient time.
  3. Prepare the necessary identification documents. Before visiting the bank branch, make sure to bring your valid identification documents, such as your national ID card, driver’s license, or passport. These documents are required to verify your identity and access your account information.
  4. Enter the bank branch and approach the customer service or teller counter. Let the bank representative know that you would like to check your Sterling Bank account balance.
  5. Provide the necessary information. The bank representative will ask you for specific details to identify your account. Be prepared to provide your account number, full name, and any other required information.
  6. Wait for the bank representative to process your request. The representative will access your account information and retrieve your current account balance.
  7. Receive your account balance information. The bank representative will provide you with your Sterling Bank account balance. You can ask for a printed receipt or have the information communicated verbally.
  8. Inquire about any additional services or information. If you have any other inquiries or concerns regarding your account or banking services, feel free to ask the bank representative for assistance.

Tips for Ensuring Accurate Sterling Bank Account Balance Checks

To ensure accurate and reliable balance checks, there are certain tips and practices you can follow. By implementing these tips, you can have confidence in the information provided and make informed financial decisions. Below are the tips:

1. Choose Reliable Checking Methods

Sterling Bank offers various methods to check your account balance, such as online banking, mobile banking apps, SMS banking, ATMs, and customer service. When selecting a checking method, choose one that you find most convenient and reliable. Opt for methods that have a proven track record of accuracy and security. Online banking and mobile apps are often the most reliable options, as they provide real-time updates and secure access to your account information.

2. Use Secure Internet Connections

If you prefer checking your Sterling Bank account balance through online banking or mobile apps, ensure you use secure internet connections. Avoid using public Wi-Fi networks, as they can be susceptible to hackers and security breaches. Instead, use a trusted and secure internet connection, such as your home Wi-Fi or a private network. This helps protect your personal and financial information from unauthorized access.

3. Double-Check Transaction Records

When reviewing your Sterling Bank account balance, it’s important to double-check the transaction records. Take the time to carefully review the deposits, withdrawals, transfers, and any other financial transactions associated with your account. Ensure that all transactions are accurate and align with your financial activities. If you notice any discrepancies or unauthorized transactions, promptly contact the bank to address the issue.

4. Keep Track of Outstanding Transactions

To ensure an accurate account balance check, it’s essential to keep track of any outstanding transactions that may not be immediately reflected in your balance. For example, if you have made recent deposits or issued checks that have not yet cleared, they may not be accounted for in the current balance. Keep a separate record of these outstanding transactions to have a more accurate understanding of your available funds.

5. Be Aware of Processing Delays

In certain cases, there may be processing delays when checking your Sterling Bank account balance. For example, if you have recently made a large deposit or initiated a transfer, it may take some time for the funds to be fully processed and reflected in your balance. Be aware of these potential delays and take them into account when assessing your account balance. If you have any concerns about specific transactions, it’s best to reach out to the bank for clarification.

6. Update Contact Information

To ensure accurate and timely notifications about your account balance, it’s important to keep your contact information up to date with Sterling Bank. Make sure they have your current phone number, email address, and mailing address on record. This ensures that you receive any important alerts or notifications regarding your account balance or any suspicious activities. Regularly review and update your contact information as needed.

7. Stay Vigilant Against Fraudulent Activities

Maintaining awareness and staying vigilant against fraudulent activities is crucial for accurate balance checks. Be cautious of phishing attempts, suspicious emails, or messages asking for your account information. Sterling Bank will never ask for your personal or account details through email or text messages. If you encounter any suspicious activity or believe you are a victim of fraud, report it to the bank immediately.

Frequently Asked Questions

1. Can I check my Sterling Bank account balance online?

Yes, you can check your Sterling Bank account balance online by logging in to your online banking account on the official Sterling Bank website.

2. Is there a fee for checking my account balance using SMS banking?

Sterling Bank does not charge any fees for checking your account balance using SMS banking. However, standard SMS charges from your mobile service provider may apply.

3. How long does it take to check my account balance at an ATM?

Checking your account balance at a Sterling Bank ATM is usually a quick process. It typically takes a few seconds to display your account balance after selecting the “Balance Inquiry” option.

4. What should I do if I encounter any issues while checking my account balance?

If you encounter any issues while checking your Sterling Bank account balance, it is recommended to contact Sterling Bank’s customer service. They will assist you in resolving any problems or concerns.

5. Can I check my account balance using the Sterling Bank mobile banking app without an internet connection?

No, you require an internet connection to use the Sterling Bank mobile banking app and check your account balance. Ensure you have a stable internet connection to access the app’s features.


Checking your Sterling Bank account balance is now more convenient than ever. Whether you prefer online banking, mobile apps, SMS banking, ATMs, or customer service assistance, Sterling Bank offers various options to suit your preferences. By following the step-by-step guides provided in this article, you can effortlessly stay updated on your account balance and manage your finances effectively.

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