Business Banking

Name: Stearns Financial Services, Inc.
Address: 4140 Thielman Lane Suite #105, St. Cloud, MN, 56301
Telephone: 800-320-7262

The world has changed. So has your business.

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.

Checking | Market Savings | CDs | Business Lending

Stearns Bank business checking and savings

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 monthly fees.

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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 monthly fees and no minimum balance.

See our blog: Is Opening A Savings Account Right For You?

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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

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 (aka business cash management tools) like: remote deposit, ACH transactions, wire transfers, mobile deposits and Bill Pay.

See our blog: Merchant Services Deliver on Convenience and Security

Learn more

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

Small Business Matters

Financial Literacy is Key to Effective Money Management for Teens

Helping cultivate positive habits and good personal finance for teens is a quality they’ll use and appreciate their entire lives.

The Stearns Bank Difference

Recognized national top-performing bank
Well-positioned for any economic climate
Employee-owned, customer-driven
Personal service from real people
Guidance from dedicated experts
Nationwide lending and banking services

Financial Fraud Protection

Stearns Bank program recognizes latest scams

Anyone can fall victim to financial fraud. Fraud schemes are becoming more sophisticated and difficult to detect. Stearns Bank has a robust fraud prevention program to monitor threats and take action. If we notice suspicious or unusual activity on your business or personal accounts, we will intervene to help prevent financial loss. Contact us if you suspect fraudulent activity on your Stearns Bank account.

See our blog on fraud prevention programs at Stearns Bank.

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Fraud prevention program at Stearns Bank

Let’s Get (Back) To Work

Lending that keeps us looking forward.

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