Nonprofit Banking Solutions

Get Your $1,000 Donation

Stearns Bank donates up to $1,000 to nonprofit organizations that maintain a Nonprofit Banking Solution account for a full 12 months, with a $250 donation following each 12-month period. Subject to change at any time.

Customer Referral Program

We want to help those in your network reach their financial goals, too. Refer those in your network to us and you can earn a $250 donation.

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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
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 1/1/2026 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 1/1/2026 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.

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

John Erickson

AVP, Branch Manager & Non-Profit/Specialty Lender

320-650-2395

Get in Touch