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Nonprofit Banking Solutions

Get Your $1,000 Donation

Stearns Bank donates $1,000 to nonprofit organizations that maintain 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.

*Active is defined as monthly account activity such as deposits, withdrawals, transfers, etc.


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Volunteer stacked hands-1

Our commitment to your mission.

Your nonprofit is changing lives, shaping communities and inspiring action. At Stearns Bank, we're changing the way banking works for you. 

Let's take your mission further! 

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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 03/04/2024 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 03/04/2024 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. 

Learn More

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.

Contact Us


Empower Your Mission

Fuel your nonprofit's purpose with a Stearns Bank credit card. 

Earn cashback on expenses, simplify tracking, and maximize funds — everything you need to further your mission.

Discover How

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 Laura Muller
Laura Muller
Banking & Nonprofit Relationship Supervisor
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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
AVP, Community Bank Lender
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Get in touch with Megan Schwankl
Megan Schwankl
Banking & Nonprofit Relationship Specialist, Banking Personal
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Get in touch with Juliana Robischon
Juliana Robischon
Banking & Nonprofit Relationship Specialist, Banking Personal
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Get in touch with Maria Toren
Maria Toren
Banking & Nonprofit Relationship Specialist
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Get in touch with Melinda Hardey
Melinda Hardey
Banking & Nonprofit Relationship Specialist
Get in Touch
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