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Stability in uncertain times: Stearns Bank is the financial institution you can trust.

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BusinessSmart Checking

A business checking account should be simple, smart and rewarding. That’s why we created the BusinessSmart™ checking account. No matter how your business evolves, this account meets your needs. Business checking has never been so adaptable.

BusinessSmart business checking from Stearns Bank

Bank With Confidence

With a Stearns Bank BusinessSmart checking account, confident banking comes standard. That's because you're backed by the strength of an award-winning nationally recognized bank. Plus, you'll enjoy the comfort of our personal service, anywhere business takes you.

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Account Features

Simple. Smart. Rewarding. This is how we do business banking.

Contact a Business Banking Expert


We've simplified the best checking account options, creating one easy choice.


Bank when and where it's convenient for you. StearnsConnect online and mobile banking is always open. 


  • Earn 0.10% Diamond Cash Rewards on every debit card purchase (up to $500/month)
  • Earn 0.15% APY on balances under $25,000
  • Earn 0.20% APY on balances $25,000 and greater
  • APY = Annual Percentage Yield
  • Fees could reduce earnings on the account.
  • Annual percentage yield is accurate as of May 19, 2020.
  • Rate may change after account is opened.

Nationwide ATM Network

Access our nationwide fee-free ATM network, with more than 32,000 locations.

The Stearns Bank Difference

  • Check markRecognized national top-performing bank
  • Check markWell-positioned for any economic climate
  • Check markEmployee-owned, customer-driven
  • Check markPersonal service from real people
  • Check markGuidance from dedicated experts
  • Check markNationwide lending and banking services


Online and mobile banking that goes where you go.

StearnsConnect is the safe and secure platform that puts banking at your fingertips anywhere, anytime, from any device.

  • Check balances, transactions and deposits
  • Customize email and text alerts
  • View online statements
  • Transfer funds
  • Pay bills and schedule payments
Learn More About StearnsConnect

Frequently Asked Questions (FAQ)

What types of accounts do you have?
For personal banking we offer Above the Norm Checking and Above the Norm Market Savings. For business banking we offer BusinessSmart Checking and BusinessSmart Market Savings. Stearns Bank also offers certificates of deposit (CDs) to business and personal banking customers, as well as individual retirement accounts (IRAs).
Do you offer cash back on debit card purchases?
Stearns Bank offers 1% Diamond Cash Rewards on BusinessSmart Checking debit card purchases. Up to $500 per month deposited into your account. No redemption required.
Is there a minimum balance requirement for the account?
There are no minimum balance requirements to avoid fees.
Is there a monthly fee?
At Stearns Bank we don’t think you should have to pay to be our customer. Some services do cost money but there are no monthly maintenance or activity fees.
Is there a fee for paper statements?
To help you manage your account, our checking products offer an online statement. If a paper statement is preferred, no problem! Paper statements are available for a small fee.
How do I enroll in online banking?
To enroll in online banking, contact an electronic banking specialist at 888.629.8707. Or visit, select “Login” at the top of the page, and “Enroll in Business Banking.”
How long does it take to receive my debit card?
Please allow five to seven business days to receive your Stearns Bank debit card. When the card arrives you can earn Diamond Cash Rewards on all your purchases.
Are there transaction charges?
Stearns Bank does not charge customers for basic transactions. However, complex transactions may carry fees. See your account fee schedule for specific rates.
Do you have automatic teller machines (ATMs) that do not charge a fee?
Our accounts include access to more than 32,000 ATMs across the country – with no fees. Look for the MoneyPass and Shazam logos. You also can find ATMs on the Locations/ATM page on
Do these accounts pay interest?
Stearns Bank offers interest on all their products. See disclosures for rate information.
How much money do I need to open an account?
You can open your account today and fund it later.
Can I access my funds right away?
Generally, you can access funds on the first business day after the date of receipt. You will receive a disclosure at account opening that explains when your funds will be available.
Do you have mobile banking, and can I deposit checks remotely via a mobile app?
With the StearnsConnect mobile app, you can deposit checks, view account balances, transfer funds, pay bills – do your banking any time from any place.


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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.
View Calculator

Business Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
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

Commercial Loan Calculator

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