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.

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.

Above The Norm

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

Simple

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

Smart

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

Rewarding

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 09/21/2023 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 09/21/2023.

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.

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

BankONStearns

Looking for more account choices?

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

Learn More

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.

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.

Explore Cards

StearnsConnect

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.

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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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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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