BusinessSmart Checking

Business checking account that pays interest and cash back rewards
BusinessSmart business checking


One simple account, no confusing options.


Advanced online and mobile banking features.


Earn interest and cash back rewards.

Stearns Bank BusinessSmart™ account holders enjoy:

  • No minimum balance
  • No opening balance requirement
  • Access cash free from our nationwide ATM network
  • Online and mobile banking with StearnsConnect

You can earn interest and cash back rewards

Grow your money

  • 0.50% APY on balances up to $25,000
  • 1.00% APY on balances $25,000 and greater

Diamond Cash Rewards

  • 1.00% cash back on every debit card purchase, distributed monthly ($500 monthly maximum)
Inquire Now   Branch locations and ATMs

Pay bills, transfer funds, view statements – do your banking from any device, wherever you are.

BusinessSmart Checking


Our StearnsConnect* online banking platform and mobile app put money management at your fingertips, giving you:

  • Free online and mobile banking access
  • Manage all your Stearns Bank accounts online or with the mobile app (Apple | Android)
  • Access external accounts by linking them to your StearnsConnect account
  • Wire money on the go using our mobile app
  • Deposit checks from your mobile device
  • Make loan payments and pay your bills electronically
  • View monthly statements and transaction activity
  • Account summary/history available at your fingertips
  • Exportable/importable transaction history
  • Receive bank alerts, personalized to fit your needs
  • Automated payment management through CardSwap
  • Pay securely with mobile wallet (Apple Pay/Google Pay)
  • Locate a fee-free ATM with our ATM locator

Want a paper statement? No problem. Paper statements are available for a small fee.

BusinessSmart Checking Details

Minimum balance required to open $0
Maintenance fee $0
Activity fee $0
Paper statement fee $5 per month
Image fee $2 per month
Inactivity fee $10 per month after six months of no activity
Interest bearing Balance up to $25,000 – 0.50% APY
Balance $25,000 or greater – 1.00% APY
Diamond Cash Rewards 1.00% cash back – $500 monthly maximum
ATM fee-free networks MoneyPass
Shazam Privileged Status
Inquire Now   Branch locations and ATMs

Your account is free with electronic statements

*Services through our affiliate locations may vary.