Personal Checking

Stearns Bank is a strong community bank focused on meeting your personal banking needs with a variety of accounts to select from.

  • Free & Easy is simply a free basic checking account, FREE 1st box of checks.
  • NOW Account is an interest-bearing account with a higher balance, FREE 1st box of checks.
  • Stearns 55+ is a free checking account designed for those 55 years or better.
  • Stearns 55+ NOW is an interest-bearing account designed for those 55 years or better.

Both Stearns 55+ accounts offer free checks, one fee-free cashier’s check per day and 25% discount on a safe deposit box.

All personal checking accounts include a cash/check card that can be used anywhere Mastercard® is accepted. Use your card to make cash withdrawals, deposits, transfers and everyday purchases. See our list of more than 35,000 fee-free ATMs nationwide.

Above the Norm

"Above the Norm" Money Market Account

For daily balances of $100,000 or more, check out Above the Norm, the Stearns Bank high-balance, high-interest money market account.

Free & Easy NOW Account Stearns 55+ Stearns 55+ NOW
Opening Deposit $50 $50 $50 $50
Min. Daily Balance $0 $500 $0 $500
Monthly Fee $0 $8* $0 $8*
Interest Bearing Yes Yes
Free Online/Mobile X X X X

* fee is waived if minimum average daily balance is maintained

Online Calculators

Use our online calculators to estimate your payments and financing costs, at various interest rates and terms. Then, contact a Stearns Bank representative to start the financing process.