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Banking Built For Today’s World

Your checking and savings account options should make your life easier. Above The Norm accounts give you the technology and simplicity you’ve been looking for.

Our account holders enjoy:

  • No minimum balance
  • No opening balance requirement
  • Nationwide access to fee-free ATMs
  • Access to StearnsConnect, our online banking platform

Personal Checking | Market Savings | CDs | High-Balance Deposits | IRAs

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StarTribune Best Bank Award

While our reach spans across the nation, our roots are in Minnesota. That’s where we’ve been named “Best Bank” and “Best Ag Lender” by readers of the Star Tribune.

Personal checking and savings accounts from Stearns Bank
Above The Norm Checking

Above The Norm Checking

Protect your money with the security and convenience of an interest and cash-rewards earning checking account that offers online and mobile account access to make your personal checking experience a straightforward one. Make the switch to Stearns Bank today.

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Above The Norm Market Savings

The right savings account can help you realize your financial goals sooner rather than later. Experience an account that gets you ready for anything that lies ahead.

See our blog: Is Opening A Savings Account Right For You?

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BankONStearns checking account with low fees


Looking for more account choices?

The affordable, non-interest-bearing BankONStearns account is a powerful low-fee option.

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Go Mobile With StearnsConnect

Bank anytime, anywhere with StearnsConnect, our secure digital banking platform.

  • Make a mobile deposit
  • Pay your bills online
  • View your account statements
  • Receive security alerts

And if you need to chat with a real person, the StearnsConnect electronic banking team offers live support when you need it.

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The Stearns Bank Difference

  • Check markRecognized national top-performing bank
  • Check markWell-positioned for any economic climate
  • Check markEmployee-owned, customer driven
  • Check markPersonal service from real people
  • Check markGuidance from dedicated experts
  • Check markNationwide lending and banking services
Certificates of Deposit (CDs) from Stearns Bank

Fueling Tomorrow's Big Plans With CDs

Stearns Bank offers certificates of deposit (CD) with maturities from 12 to 60 months. Maximize your deposit and watch your money grow to reach your financial goals.

See our blog: CDs vs. Savings Accounts: Which One Is Right For You?

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Stearns Bank Awards

At Stearns Bank, our personal service, sense of urgency, strong financial management and consistent performance are recognized nationally.

Independent Community Bankers of America (ICBA)
Recognized as one of the top-performing banks in the nation by Independent Community Bankers of America.
Monitor 100
Listed among the Monitor 100 largest equipment finance companies.
American Banker
Ranked as one of the top-performing banks in the nation, in its peer group, by American Banker magazine.
Best Bank - StarTribune Minnesota's Best
Named Minnesota’s Best Bank and Best Ag Lender by readers of the Star Tribune.
Fraud prevention program at Stearns Bank

Financial Fraud Protection

Stearns Bank program recognizes latest scams

Anyone can fall victim to financial fraud. Fraud schemes are becoming more sophisticated and difficult to detect. Stearns Bank has a robust fraud prevention program to monitor threats and take action. If we notice suspicious or unusual activity on your business or personal accounts, we will intervene to help prevent financial loss. Contact us if you suspect fraudulent activity on your Stearns Bank account.

See our blog on fraud prevention programs at Stearns Bank.

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Personal Banking Resources

Community Banking: The Treat That Keeps on Giving

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Staying Ahead Of Small Business COVID-19 Scams

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Using The Child Tax Credit To Boost Your Banking

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Stearns Bank, Skalicky Collaborate On OCC's Project REACh

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Certificate of Deposit Calculator

Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
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Enhanced Loan Calculator

Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term.
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