Business Banking

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

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.

Checking | Market Savings | CDs | Business Lending

While our reach spans across the nation, our roots are in Minnesota. That’s where we’ve been named “Best Bank” and “Best Ag Lender” by readers of the Star Tribune.

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 hidden 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 hidden fees and no minimum balance.

See our blog: 5 Reasons to Separate Your Savings Accounts

Learn more

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 like remote deposit, ACH transactions, wire transfers, mobile deposits and Bill Pay.

See our blog: Merchant Services Deliver on Convenience and Security

Learn more

Autobooks

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

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

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

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.

Listed among the Monitor 100 largest equipment finance companies.

Ranked in the top third on American Banker's Best Banks to Work For Listing.

Best Bank - StarTribune Minnesota's Best

Named Minnesota’s Best Bank and Best Ag Lender by readers of the Star Tribune.

Small Business Matters

Why You Should Be Using Online Banking

Help your family stay safe by encouraging them to use digital banking, and StearnsConnect, for common financial transactions like deposits.

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.