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Above The Norm Personal Checking

Life is in constant motion. You need to keep up with a simple, full-featured personal checking account that rewards you for using it. An Above the Norm™ personal checking account from Stearns Bank keeps you connected to your cash. Not to mention, it rewards you with cash back on every debit card purchase.

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 personalized service and support to help you stay aligned with that precious list.

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Account Features

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

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We've simplified the best checking account options, creating one easy choice.


Bank when and where it's convenient for you you. StearnsConnect online and mobile banking is always open.


  • Earn 0.10% Diamond Cash Rewards on every debit card purchase (up to $150/month)
  • Earn 0.10% APY on balances under $15,000
  • Earn 0.15% APY on balances of $15,000 or more
  • APY = Annual Percentage Yield
  • Fees could reduce earnings on the account.
  • Annual percentage yield is accurate as of May 19, 2020.
  • Rate may change after account is opened.

Nationwide ATM Network

Join our nationwide fee-free ATM network, with more than 32,000 locations. 

StearnsConnect online and mobile banking


Take your banking with you – everywhere you go.

StearnsConnect is the online banking platform that puts banking at your fingertips anywhere, anytime, from any device.

  • Check balances, transactions and deposits
  • View online statements
  • Pay bills and schedule payments with online bill pay
  • Set up email and text alerts
  • Find bank and ATM locations
Learn More About StearnsConnect

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

Making The Switch

The Stearns Bank Switch Kit   

We've created a handy guide for setting up your new Above the Norm checking account. It includes step-by-step instructions that make transitioning to Stearns Bank simple.

Download the Switch Kit 

Stearns Bank switch kit for transitioning your new account

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 back on debit card purchases?
Stearns Bank offers 0.10% Diamond Cash Rewards on Above the Norm Checking debit card purchases. Up to $500 per month deposited into your account. No redemption required.
Is there a minimum balance requirement for the account?
There are no minimum balance requirements to avoid fees.
Is there a monthly fee?
At Stearns Bank we don’t think you should have to pay to be our customer. Some services do cost money but there are no monthly maintenance or activity fees.
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.
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 32,000 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

How Automatic Payments Can Benefit Your Small Business

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9 Easy Money Moves To Make Today

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Ways Business Owners Can Use Digital Banking To Their Advantage

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The 5 Benefits Of Having Multiple Business Accounts

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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).
View Calculator

Enhanced Loan Calculator

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