The South Dakota Banking Dept. is the institution you need to contact to file a complaint against Sterling Trust. Your contact there is Matthew Schlechter 1-605-367-4387, matthew.schlechter@state.sd.us . At this point I would encourage everyone to contact them and send them a copy of all the complaints against Sterling posted at this web site. I called Matt on 2.18.13 and he followed up with them by email. I contacted him again on 2.20.13 to let him know I had not heard from Sterling Trust. Kim at Sterling Trust, a manager of some type, left me a message a day or two later. I called back three times over the next two days leaving a message each time. She never called back. Then on Monday 2.25.13, Phil, another manager at Sterling called me and we discussed the account. He insisted that his employees all need to get paid therefore they charge these accounts regardless. He repeated this many times during the conversation inspite of the history and the circumstances surrounding this account. So even though the account has been near or at zero balance they thought it appropriate to keep charging us for this account. I explained that we attempted to close the account several times but were told we had to pay a $200 closing fee on top of any other fees due at the time –and- that this seemed entirely out of proportion with respect to the historical circumstances on the account. He said that we had signed documents at the time of opening the account that explained all this. I don’t recall any of this so I asked him to send me a copy of these along with our signature indicating we had agreed. He promised to send them that same day via email. Nothing came. I called twice more, leaving messages both times, still nothing was sent to confirm that we had indeed signed such a document. I will try once more to contact him. If unsuccessful I will reconnect with the South Dakota Banking Dept. to file a formal complaint. I may seek legal counsel as well because I am now concerned they will file a report on us with the Credit Bureaus.