You can make any transaction by using the  transfer code. Dial *945# to make an authorised online transaction without any network connection or need to visit the bank.

Also: List of Sterling Bank USSD Code And Transfer Code

Here is the list of   codes.

List of Codes

Transaction Type                                Code

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Airtime Top-Up for Others *945*phone Number*Amount#
Airtime Top-Up for Self *945*Amount#
Check balance *945*0#
Transfer to ALAT Account *945*Account Number*Amount#
Transfer to Other banks *945*Account Number*Amount#