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Innovative. Integrated. Inspiring.

Nonprofit Banking Solutions

Your nonprofit is changing lives, shaping communities and inspiring action. At Stearns Bank, we're changing the way banking works for you. With an understanding of the unique needs of nonprofits, we designed a suite of banking services to help drive your mission forward.

Our team of Nonprofit Banking Specialists is eager to help you get started and will answer your call on the first ring!   


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Our commitment to your mission.

As fellow advocates of a better world, we stand alongside you.

Stearns Bank will donate $1,000 to each nonprofit organization that maintains one or more active Nonprofit Banking Solutions accounts for a full 12 months, with recurring donations following each active 12-month period. Subject to change at any time.


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Account Features

Increase your impact with the checking account that features dozens of free services, reduced or waived fees, and high yields on your deposits.  

With the convenience of online and mobile banking, you and your team can manage accounts remotely from anywhere, at any time. 


Do More Good

  • High-yield interest-bearing accounts
  • Free unlimited same-day & next-day ACH origination
  • Free unlimited incoming wires
  • Free outgoing wires (one free per day)
  • Free* international wires (five free per month)
  • Free unlimited mobile deposits
  • Free auto cash sweeps (auto transfers between Stearns Bank accounts)
  • Free unlimited Bill Pay 
  • Customized debit cards
  • Positive Pay (check fraud protection)

Save On Fees

  • No hidden fees
  • No maintenance fees 
  • No inactivity fees
  • No statement fees, with free monthly eStatements
  • Free checks
  • Fee-free nationwide ATM network
  • Fee-free financial wellness tools
  • Free remote deposit capture
  • No minimum balance requirements
  • Unlimited number of accounts - no fees for added accounts
  • Free basic Autobooks for donor invoicing

*Account will be charged the $40 international wire fee for each international wire request, and upon monthly statement date, account will automatically receive a refund for up to 5 international wire fees charged during statement period.



Interest Rates

Earn interest on any balance

  • 0.25% APY* if balance is $24,999.99 or less. A balance of $0.01 is needed to earn the APY.
  • 0.50% APY* if balance is $25,000 to $49,999.99
  • 1.00% APY* if balance is $50,000 or more
Diamond Cash Rewards
  • 0.10% cash rewards on EVERY debit card purchase, deposited to the account monthly**
* APY is annual percentage yield. Rates are accurate as of 09/21/2023 and subject to change at any time, including after account opening. Fees may reduce earnings.
** Earn up to $500 per month. Pending and preauthorized debit card transactions do not earn cash rewards until the final transaction posts to the account. Cash rewards rate effective 09/21/2023 and subject to change at any time.

Nonprofit Lending Solutions

Stearns Bank empowers change by offering nonprofits more ways to access capital. We understand that funding has the potential to amplify your influence, which is why we deliver creative lending options and guidance throughout the entire process.

Commercial Real Estate

Build and grow. We can help you achieve your vision to create physical spaces that support your mission. 

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Equipment Financing

If vehicles and other equipment are vital to keeping your influence rolling, rely on our speed and efficiency. 

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Operating Lines of Credit

A nonprofit line of credit can be used for short-term expenses, working capital, or until grants are received.

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Nonprofit Banking Specialists

Get in touch with Jane Litchy
Jane Litchy
VP, Director of Banking Relationships & Nonprofit Banking
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Get in touch with Haley Thell
Haley Thell
Banking & Nonprofit Relationship Specialist
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Get in touch with Laura Muller
Laura Muller
Banking & Nonprofit Relationship Specialist
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Get in touch with Michelle Hensley
Michelle Hensley
Community Bank Manager/Banking & Nonprofit Relationship Specialist
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Get in touch with John Erickson
John Erickson
Community Bank Lender
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