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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 back 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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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

BankON Stearns Checking


Looking for more account choices?

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

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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 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

  • 0.10% APY* if balance is $14,999.99 or less
    A balance of .01 is needed to earn the APY.
  • 0.15% 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 effective as of 5/24/2021 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 back rewards until the final transaction posts to the account. Cash Rewards rate effective 6/15/2020.

Nationwide ATM Network

Get access to your cash with no fees from our nationwide ATM network, with more than 32,000 locations. Find an ATM or branch location.

Schyma family

"You always get a person you know and they’re friendly. I can do a lot of online banking and pay bills online, but Stearns Bank never loses that personal touch."

- Jolene Schyma

The Stearns Bank Difference

  • Check markRecognized national top-performing bank
  • Check markBank from anywhere with our advanced digital banking services
  • Check markEmployee-owned, customer driven
  • Check markPersonal service from real people
  • Check markNationwide ATM network with no fees and easy access to your cash
  • Check markNationwide lending and banking services
StearnsConnect online and mobile banking


Bank anytime, anywhere with StearnsConnect, our state-of-the-art, secure digital banking platform. Here’s what you can accomplish with us online:

  • Deposit checks from your mobile phone
  • 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.

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 back 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. No redemption required. 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?
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 service 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. See our question "Do you offer cash back 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 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

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Financial Literacy is Key to Effective Money Management for Teens

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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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