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Business Banking Services

You can access business banking services through your Stearns Bank online portal.  These services streamline your financial management, so you can focus on growing your business. Through remote deposit, ACH, and wire transfers, you can quickly move funds in and out of your accounts.  With Autobooks you can generate invoices and make it easier for customers to pay you online.  Our tools enable you to stay in control wherever you do business. 

Remote deposit services from Stearns Bank

Remote Deposit

Remote deposit capture is a secure, web-based tool used to scan deposits right from your location. Streamline your cash management process, increase productivity and save time and money. Benefits include:

  • Two-sided scanning of 50-100 checks per minute
  • Depositing multiple checks
  • Saving a trip to the bank
  • A secure login process
  • Monitored daily deposit activity

A remote deposit capture scanner is provided by Stearns Bank and is included with the monthly fee. Some restrictions may apply.

Contact a Business Banking Expert
ACH transactions with Stearns Bank

ACH Transactions

Streamline your cash management process by eliminating paper checks and improve efficiency and cash flow with Automated Clearing House (ACH).

ACH is a reliable and convenient electronic network for financial transactions. With ACH, you can:

  • Transfer funds between customer accounts
  • Create payroll files
  • Send or receive payments from vendors
  • Reduce processing costs
  • Maintain payment security

Business customers can upload multiple transactions for processing.

Contact a Business Banking Expert

 

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Wire Transfer

Move money quickly and securely through Stearns Bank's online platform. 

  • Process both Domestic and International Payments
  • Save time with wire templates and recurring wires

Positive Pay

Protect your business.

Safeguard your account from check and ACH fraud with our Positive Pay Service.  Positive Pay is an automated fraud detection tool that matches checks and electronic payments presented for payment against a list of pre-authorized transactions.

  • Reduces risk of financial loss
  • Automatically detects and flags potentially fraudulent items
  • Strengthens internal controls and account oversight
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Merchant Services

Best-in-class services available through Deluxe

Payments are critical to the health of your business. And in the eyes of customers, you’ve got one shot to get it right. Stearns Bank partners with Deluxe to offer comprehensive payment products, including payment acceptance equipment, payment processing services, and business intelligence reporting. Services include:

  • Point-of-sale systems
  • Mobile EMV payments
  • Countertop payment terminals
  • Virtual terminals
  • E-commerce
Contact a Business Banking Expert

 

Merchant services from Stearns Bank, partnership with Fitech

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 - Get paid faster. Send invoices from your business account.

Cash Logistics Solutions

Secure & efficient

Stearns Bank offers industry-leading cash handling solutions designed to streamline operations and enhance security. Whether you're managing daily deposits or preparing change orders Stearns Bank offers solutions that ensure your cash is counted, reconciled, and delivered with precision and peace of mind.

  • Smart Safes- secure, intelligent safe that automate cash counting, reconciliation and deposit processing.
  • Gain access to your funds faster with provisional credit.
  • Secure Cash Transport and Change Orders

Experience the confidence of working with a national leader in cash logistics, helping your business operate smarter, safer, and more efficiently.

Cash-management
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Bill Pay

Obtain the convenience of paying bills from one central location instead of logging into multiple websites. Our advanced protocols keep all transactions secure. Track when your bills are due and your payment history all in one platform.

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Mobile Deposit

A fast, easy and secure way to deposit checks using StearnsConnect. Deposit checks by taking a photo of the front and back of the endorsed check. And, make deposits anywhere at any time.

BusinessSmart checking and market savings from Stearns Bank

Banking That Pays

Checking and savings accounts

Reach your business checking and savings goals faster with simple, smart and rewarding BusinessSmart™ accounts. Earn interest and cash back with the convenience of online and mobile banking.

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Resources

Break Even Analysis Calculator

The break even analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit.
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Commercial Loan Calculator

Use this calculator to estimate your debt service coverage with a new commercial loan.
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Enhanced Loan Calculator

Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term.
View Calculator

Certificate of Deposit Calculator

Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
View Calculator
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