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Above The Norm Checking

No minimum balance. No opening balance requirement. And best yet? No hidden fees or any maintenance fees. Stay connected to your cash while being rewarded with cash rewards on every debit card purchase with an Above The Norm personal checking account.

Above The Norm personal checking

What Matters To You?

You have a growing list of reasons to earn more. With an Above The Norm personal checking account, banking is simple, smart and rewarding. And, you can rely on our personal service and support to help you stay aligned with that precious list.

Open Personal Account

Above The Norm Checking Account Features

Your Above The Norm checking account gives you all the options you need, with no minimum balance or annoying fees.

  • No opening balance requirement

  • No hidden fees

  • No minimum balance

  • Earn interest on any balance

  • StearnsConnect online and mobile banking – free with your account

  • Free monthly eStatements

  • StearnsBank customer service – get help from a live representative

  • Nationwide ATM network – more than 41,000 free ATM locations for easy access to your money

  • Debit card paying Diamond Cash Rewards for your purchases

BankOn Stearns


Looking for more account choices?

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

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Stearns Bank switch kit

Make The Switch To Stearns Bank

Download The Stearns Bank Switch Kit

Switching banks may seem like a lot of work. But we’ve created a guide to help you through every step in moving your account to Stearns Bank. Setting up your new account is easier than you thought. 

Download the Switch Kit

Above The Norm 

Simple. Smart. Rewarding. This is how we do personal banking.

Open Personal Account


We’ve simplified the best checking account options into one, making it easy to use.


Use StearnsConnect to manage your account, pay bills, view statements while not having to leave your house.


Grow your money

  • 0.20% APY* if balance is $14,999.99 or less
    A balance of .01 is needed to earn the APY.
  • 0.40% APY* if balance is $15,000.00 or more


Diamond Cash Rewards

  • 0.10% cash rewards on EVERY debit card purchase, deposited to the account monthly**
  • * APY is annual 02/01/2023 and subject to change at any time, including after account opening. Fees may reduce earnings.
  • ** Earn up to $150 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 02/01/2023.

Nationwide ATM Network

Get access to your cash with no fees from our nationwide ATM network, with more than 41,000 locations. Find an ATM or branch location.

StearnsConnect online and mobile banking


Bank anytime, anywhere with StearnsConnect, our online and mobile banking platform. From the convenience of your home office or mobile device, you can:

  • Deposit checks from your mobile phone
  • Pay your bills online
  • View your account statements
  • Receive security alerts on account activity

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

Learn More About StearnsConnect

Frequently Asked Questions (FAQ)

What types of accounts do you have?

For personal banking we offer Above the Norm Checking and Above the Norm Market Savings. For business banking we offer BusinessSmart Checking and BusinessSmart Market Savings. Stearns Bank also offers certificates of deposit (CDs) to business and personal banking customers, as well as individual retirement accounts (IRAs).

Do you offer cash rewards on debit card purchases?

Stearns Bank offers 0.10% Diamond Cash Rewards on Above the Norm Checking debit card purchases. Up to $150 per month deposited into your account. Pending and preauthorized debit card transactions do not earn cash back rewards until the final transaction posts to the account. Cash Rewards rate effective 6/15/2020.

Is there a minimum balance requirement for the account?

There are no minimum balance requirements to avoid fees.

Is there a monthly fee?

No, there are no monthly service fees for an Above the Norm checking account. However, there are fees for add-on services and tools.

Is there a fee for paper statements?

To help you manage your account, our checking products offer an online statement. If a paper statement is preferred, no problem! Paper statements are available for a small fee.

How do I enroll in online banking?

To enroll in online banking, contact the StearnsConnect electronic banking team at 888.629.8707. Or visit, select “Login” at the top of the page, and click “Enroll in Personal Banking.”

How long does it take to receive my debit card?

Please allow five to seven business days to receive your Stearns Bank debit card. When the card arrives you can earn Diamond Cash Rewards on all your purchases. See our question "Do you offer cash rewards on debit card purchases" for details regarding Diamond Cash Rewards.

Are there transaction charges?

Stearns Bank does not charge customers for basic transactions. However, complex transactions may carry fees. See your account fee schedule for specific rates.

Do you have automatic teller machines (ATMs) that do not charge a fee?

Our accounts include access to more than 41,000 ATMs across the country – with no fees. Look for the MoneyPass and Shazam logos. You also can find ATMs on the Locations/ATM page on

Do these accounts pay interest?

Stearns Bank pays interest on all savings and checking accounts. See disclosures for rate information.

How much money do I need to open an account?

You can open your account today and fund it later.

Can I access my funds right away?

Generally, you can access funds on the first business day after the date of receipt. You will receive a disclosure at account opening that explains when your funds will be available.

Do you have mobile banking, and can I deposit checks remotely via a mobile app?

With the StearnsConnect mobile app, you can deposit checks, view account balances, transfer funds, pay bills – do your banking any time from any place.

Personal Banking Resources

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Why You Should Be Using Online Banking

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Shop Local For The Holidays

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How To Avoid Fraud While Shopping Online

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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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