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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.

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Above The Norm 

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

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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 percentage yield. Rates are accurate as of 03/04/2024 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 03/04/2024.

Nationwide ATM Network

Get access to your cash with no fees from our nationwide ATM network, with more than 42,000 locations. Find an ATM or branch location.

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 42,000 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


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.

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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 personal accounts does Stearns Bank offer?

There are a variety of accounts available for personal use, including Above the Norm checking & market savings. Certificates of Deposit (CDs) are also available to help you set money aside to reap long-term growth. Other account options may be available. Contact us to learn more and discover the best fit for you.

Does Stearns Bank offer IRAs?

Yes. Individual Retirement Accounts (IRAs) are available for personal retirement planning. Traditional and Roth IRA options available. Contact us to learn more and discover the best fit for you.

Are there cash rewards on debit card purchases?

Yes. Diamond Cash Rewards are available on Above the Norm checking, BusinessEssentials checking and BusinessSmart checking debit card purchases. See current rates for details.

Is there a minimum monthly balance requirement for Stearns Bank accounts?

Many Stearns Bank business and personal accounts DO NOT have minimum balance requirements while others, like BusinessEssentials checking DO. See specific account details for current requirements.

Is there a fee for monthly statements?

Monthly eStatements are free and can be requested within your online account (StearnsConnect) under Settings.

Paper statements, if preferred, are $5 per month.

How do I enroll in online banking?

Once your Stearns Bank account is opened, enroll in online banking by visiting the login page and choosing the type of account you’d like to enroll in. Contact the StearnsConnect electronic banking team at (888) 629-8707 if you need assistance.

Are there fee-free ATMs?

Stearns Bank customers have access to 42,000 in-network, fee-free ATMs across the country. Look for the MoneyPass and Shazam logos. You also can find in-network ATMs on the Locations/ATMs page.

Do these accounts pay interest?

Interest can be earned on certain accounts, including Above the Norm checking and market savings accounts, BusinessEssentials checking and BusinessSmart checking and market savings accounts. See specific account details for current rates.

When can I access my deposited funds?

Generally, you can access funds on the first business day after the date of receipt.

Is mobile banking available?

Yes. The StearnsConnect mobile app, you can access your account 24/7; deposit checks, view account balances, transfer funds, pay bills, and more.

Personal Banking Resources

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

Certificate of Deposit Calculator

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