Stearns Bank customer handing over her personal line of credit card to barista

Personal Banking

Tell us about your personal banking goals

We're making personal banking simple, smart and rewarding. Let's get you started with accounts that will help you reach your short- and long-term banking goals.

A Stearns Bank Above The Norm account gives you all the options you need, with no minimum balance or annoying fees.

  • No opening balance requirement 
  • No hidden fees
  • No minimum balance
  • Earn interest on any balance of $.01 or above
  • Free monthly eStatements
  • StearnsConnect online and mobile banking (free with your account) 
  • StearnsBank customer service (get help from a live representative) 
  • Fee-free nationwide ATMs 

Identification Policy Agreement: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.