Frequently Asked Questions Click to reveal answer

Why does the Username I want not work?

It needs to be at least 6 characters and is CaSe SeNsitivE. If it still does not work, another user is already using that Username.

Why does the Password I want not work?

Your Password needs to be between 8 and 17 characters, contain at least 2 letters and 2 numbers and is CaSe SeNsitivE. For example: Stearns123

I see Username on the home page, but where do I enter my Password?

The log-in process has improved to protect the privacy and the security of your personal information. Once you enter your Username and your identity has been confirmed another screen will appear for you to enter your Password.

Why am I being asked a challenge question when I try to login?

We ask you a Challenge Question when we detect that you are trying to login from a computer you haven't selected us to recognize . This is to prevent unauthorized access to your accounts. Since only you know the answer to the questions, we will know it’s really you.

If you check the box: Please recognize this computer when I login, you will only be asked a challenge question the first time you login from a new computer. If you are using a public terminal, you will not want to check this box.

How will I know that I am not at a fraudulent site?

After you enter your Username and Login you will be redirected to Online Banking. Once you click 'OK' you will see the green bar across the URL showing you are at the correct site. More details.

How will you confirm my identity?

We will confirm you identity by these factors:

  • Your Username and/or Password
  • The computer you are using
  • Geographic indicators
  • Security question and answer you have entered during the enrollment process

Can I access my account from multiple computers?

Yes If you log-in from a new computer or a public terminal, you will need to go through one extra step of answering a Challenge Question. This helps protect you by keeping unauthorized people from accessing your valuable information. There is no limit on how many different computers you can use to login to your account.

Can I change my Challenge Question or Password after I enroll?

Yes, you can change these by going to User Options in Online Banking.

In Online Bill Pay, when is the money for the payment withdrawn from my payment account?

If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date (the date the biller receives your payment).

If the company or person cannot receive electronic payments, Stearns Bank prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits or cashes the check.

In Bill Pay, when does a Biller receive my payment?

We deliver your online bill pay payment on the pay date that you select.

What is the cutoff time for online transfers?

The cutoff time for an internal transfer is 6 pm Central Time and an ACH or Wire Transfer (PremierEcorp) is 3 pm Central time. Transfers initiated after the times stated will occur the next business day.