Business checking account that pays interest and cash back rewards
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)
Pay bills, transfer funds, view statements – do your banking from any device, wherever you are.
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|
|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
Your account is free with electronic statements
- APY = Annual Percentage Yield
- Interest rate and annual percentage yield may change after account opening.
- Fees could reduce earnings on the account.
- Interest rates and annual percentage yields are accurate as of May 1, 2019.
*Services through our affiliate locations may vary.