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Business Banking

Checking and savings accounts backed by personal service

You’ve been through ups, downs, trials and triumphs. You’ve come a long way. And you’re only getting stronger. Keep going with banking that’s simple, smart and rewarding.

Whether it's live support from helpful experts, full online banking capabilities or uncomplicated account options, everything you need is in one place to help you reach your goals.

Bu | Market Savings | CDs | Business Lending

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StarTribune Best Bank Award

We serve customers nationwide, but we’re proud to be named “Best Bank” and “Best Ag Lender” in our home state of Minnesota, two years in a row, by readers of the Star Tribune.

Stearns Bank business checking and savings
BusinessSmart Checking

BusinessSmart Checking

Adaptability and accessibility matter more than ever. Make cash flow simple and successful with an FDIC-insured BusinessSmart™ checking account. It moves with your business, earns interest and cash back, and has no hidden fees.

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BusinessSmart Market Savings

BusinessSmart Market Savings

In business, and in life, saving for the unexpected and for the next big goal is essential. Prepare your business and protect your personal savings with an FDIC-insured BusinessSmart market savings account. It earns interest, has no hidden fees and no minimum balance.

See our blog: 5 Reasons to Separate Your Savings Accounts

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BusinessEssentials Checking

Say goodbye to the fees of traditional business checking. BusinessEssentialsTM is designed for your high-balance, transaction-heavy business.

*The $20 monthly statement credit is conditioned upon the $25,000 average minimum monthly balance being satisfied and is available for the first 36 months after account opening. Checking account customers that also open a new equipment finance or loan contract between 02/01/2023 and 04/01/2023.


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Certificates of Deposits (CDs)

Certificates of Deposit

Setting money aside today has its long-term benefits. An FDIC-insured CD with simple term options can maximize your business deposits. Watch interest grow over the life of the CD with the innovative StearnsConnect online banking service.

See our blog: CDs vs. Savings Accounts: Which One Is Right For You?

See CD Rates
Business cash management tools

Business Cash Management Tools

Cash management tools make it easier for your customers to do business with you. Make them happy, repeat customers by offering them convenient payment options like remote deposit, ACH transactions, wire transfers, mobile deposits and Bill Pay.

See our blog: Merchant Services Deliver on Convenience and Security

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Get paid faster

Autobooks is an online service that makes it easy for customers to pay you and efficiently manage your accounts receivable.

  • Send invoices directly to your customer's inbox
  • Accept on-the-spot electronic payments
  • Offer convenient online payment options
  • Deposit payments directly into your checking account
  • Review customer payment activity – who has paid, who still owes money

Send yourself a sample invoice, schedule a 10-minute demo and more.

Learn More About Autobooks
Autobooks - invoicing software for your Stearns Bank business account

Small Business Loans

Financing to fuel your growth

The thinkers, movers and changers across the United States continue making the world more connected and productive. Through start-ups, acquisitions, remodels, expansions and so much more, we're proud to be part of your success story.

Learn more about business loans
Stearns Bank business loans

Fraud: What Experts Need You to Know

Online shopping, remote business operations, digital currency exchange – these are exciting and convenient times. However, if we’re not careful, online convenience can become a fraudster’s playground.

Our experts track fraud trends and the latest prevention measures to keep you safe. Learn what to watch for and how to avoid becoming a victim with fraud notices and our Fraud Friday video series.


The Stearns Bank Difference

  • Check markRecognized national top-performing bank
  • Check markWell-positioned for any economic climate
  • Check markEmployee-owned, customer-driven
  • Check markPersonal service from real people
  • Check markGuidance from dedicated experts
  • Check markNationwide lending and banking services

Stearns Bank Awards

At Stearns Bank, our personal service, sense of urgency, strong financial management and consistent performance are recognized nationally.

Independent Community Bankers of America (ICBA)
Recognized as one of the top-performing banks in the nation by Independent Community Bankers of America.
Monitor Top 100
Listed among the Monitor 100 largest equipment finance companies.
American Banker Best Banks to Work For
Ranked in the top 20 on American Banker's Best Banks to Work For Listing.
Best Bank - StarTribune Minnesota's Best
Named Minnesota’s Best Bank & Best Ag Lender, two years in a row, by readers of the Star Tribune.

Small Business Matters

4 Steps to Prepare Your Small Business for a Recession

Is your small business prepared for a recession? Discover four tips to improve your small business and prepare for any potential future economic downturns.

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4 Steps to Prepare Your Small Business for a Recession
StearnsConnect online and mobile banking

Bank Anytime, Anywhere

Whether you're on the go or taking care of business in the middle of the night, online and mobile banking through StearnsConnect puts the when and where of finances into your hands.

  • Check balances, transactions and deposits
  • Customize email and text alerts
  • View online statements
  • Transfer funds
  • Pay bills and schedule payments
Learn More About StearnsConnect

Business Banking Resources

4 Steps to Prepare Your Small Business for a Recession

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How to Prioritize Savings for Your Small Business

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5 Benefits of Stearns Bank’s Business Deposit Accounts

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5 FAQs about USDA B&I Loans

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Commercial Loan Calculator

Use this calculator to estimate your debt service coverage with a new commercial loan.
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Business Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
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Break Even Analysis Calculator

The break even analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit.
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Enhanced Loan Calculator

Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term.
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