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Banking Built For You

Streamlined Digital Banking Services

Above The Norm accounts deliver the technology and ease you want today. Enjoy no minimum balance, fee-free ATMs, online banking, and recognized service.

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Personal Checking | Market Savings

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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Online banking

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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Get More from Your Money

Maximize rewards with a Stearns Bank credit card. 

Earn bonus points, cashback, and more on everyday purchases while enjoying ID theft protection — unlocking value from every dollar you spend.

Mastercard Priceless Surprises

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Education & Tools

Successful management of your finances starts with knowledge and access to tools that can strengthen financial wellness.

From credit monitoring and identity protection to recognizing fraud, empowering yourself with financial education and tools is a fundamental start.

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Mobile banking features

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 Top 100
Listed among the Monitor 100 largest equipment finance companies.
American Banker Best Banks to Work For
Ranked in the top 20 on American Banker's Best Banks to Work For Listing.
Best Bank - StarTribune Minnesota's Best
Named Minnesota’s Best Bank & Best Ag Lender, three years in a row, by readers of the Star Tribune.
Great Places to Work. Certified.
This employee-validated distinction highlights our successful workplace culture efforts.

Fraud: What Experts Need You to Know

Online shopping, remote business operations, digital currency exchange – these are exciting and convenient times. However, if we’re not careful, online convenience can become a fraudster’s playground.

Our experts track fraud trends and the latest prevention measures to keep you safe. Learn what to watch for and how to avoid becoming a victim with fraud notices and our Fraud Friday video series.


Personal Banking Resources

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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