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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 have a cash/check card available that is accepted anywhere Visa® cards are. Use your card to make cash withdrawals, deposits, transfers and everyday purchases. View a list of over 55,000 fee-free ATMs nationwide.

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
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* fee is waived if minimum average daily balance is maintained