BusinessSmart Market Savings

Earn interest on any balance, with no maintenance fee
BusinessSmart Market Savings


No minimum balance.


Advanced online and mobile banking features.


Earn interest on any balance.

Stearns Bank BusinessSmart™ Market Savings account holders enjoy:

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

Your account is free with electronic statements.

Grow your money

  • 1.00% APY on balances up to $100,000
  • 1.76% APY on balances of $100,000 and greater
Inquire Now   Branch locations and ATMs

You can earn 1.00% APY on any balance less than $100,000, and 1.76% APY on balances greater than $100,000.

BusinessSmart Market Savings


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

You can control your debit card from your mobile device.

BusinessSmart Market Savings Details

Minimum balance required to open $0
Maintenance fee $0
Activity fee Six free preauthorized or automatic withdrawals per month, then $10 per withdrawal
Paper statement fee $5 per month
Interest bearing Balance less than $100,000 – 1.00% APY
Balance of $100,000 or greater – 1.76% APY
ATM fee-free networks MoneyPass
Shazam Privileged Status
Checks Available for purchase
Inquire Now   Branch locations and ATMs

*Services through our affiliate locations may vary.