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©2012 Stearns Financial Services, Inc. Member FDIC. Equal Housing Lender. For customer convenience, Stearns Bank N.A. is an agent for Stearns Bank Holdingford N.A. and Stearns Bank Upsala N.A. Notice regarding the FDIC's Deposit Insurance Coverage. Excessive or Luxury Expenditure Policy. S.A.F.E. Act Notice. Products & services offered through Stearns Insurance and Securian Trust are not insured by FDIC, may lose value, no bank guarantee, and are not a condition to any banking service or activity.