Above the Norm Checking

Personal checking account that pays interest and cash back rewards
Above the Norm Checking


One simple account, no confusing options.


Advanced online and mobile banking features.


Earn interest and cash back rewards.

You can earn interest and cash back rewards, with no fees.

Grow your money

  • 0.50% APY on balances up to $15,000
  • 1.00% APY on balances of $15,000 and greater

Diamond Cash Rewards

  • 0.50% cash back on every debit card purchase, distributed monthly ($150 monthly maximum)

Pay bills, transfer funds, view statements – do your banking from any device, wherever you are.


StearnsConnect online banking

Our StearnsConnect* online banking platform and mobile app put money management at your fingertips, giving you:

  • Free online and mobile banking access
  • Manage all your Stearns Bank accounts online or with the mobile app (Apple | Android)
  • Access external accounts by linking them to your StearnsConnect account
  • Wire money on the go using our mobile app
  • Deposit checks from your mobile device
  • Make loan payments and pay your bills electronically
  • View monthly statements and transaction activity
  • Account summary/history available at your fingertips
  • Exportable/importable transaction history
  • Receive bank alerts, personalized to fit your needs
  • Automated payment management through CardSwap
  • Pay securely with mobile wallet (Apple Pay/Google Pay)
  • Locate a fee-free ATM with our ATM locator

Apple Pay and Google Pay are the most secure way to pay.

Stearns Bank Above the Norm™ Checking

Minimum opening deposit $0
Maintenance fee $0
Transaction fee $0
Interest bearing Balance less than $15,000 – 0.50% APY
Balance of $15,000 and greater – 1.00% APY
Diamond Cash Rewards 0.50% cash back
Earn up to $150 per month
ATM fee-free networks MoneyPass
Shazam Privileged Status
Paper statement fee $5 per month
Image fee $2 per month
Inactivity fee $10 per month after six months of no transactions

You can access your account at over 32,000 ATMs for free.

Inquire Now   Branch locations and ATMs

*Services through our affiliate locations may vary.