Skip to content

Above the Norm Personal Market Savings

It’s exciting to think of the possibilities ahead no matter where you are in life. From tuition or a down payment on a home, to travel and large purchases, saving is easier when you have goals and when you have a strong savings account. Start turning what you want to do into what you are going to do!

Above The Norm personal market savings account

Successful Saving Starts Here

At Stearns Bank, we want to be part of your vision of success, which likely includes an element of saving.

An Above the Norm™ market savings account is our way of helping you get there. Rely on personal service matched with features that make it easier to stay on track to your one-of-a-kind goals.

Contact a Personal Banker

Account Features

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

Contact a Personal Banker

Simple

We've simplified the best market savings account options, creating on easy choice.

Smart

Bank when and where it's convenient for you. StearnsConnect online and mobile banking is always open. 

Rewarding

  • Earn 1.00% APY on balances under $100,000*
  • Earn 1.76% APY on balances $100,000 or more*
  • APY = Annual Percentage Yield
  • Fees could reduce earnings on the account.
  • Annual percentage yield is accurate as of Dec. 2, 2019.
  • Rate may change after account is opened.

Accessible

Your savings are growing, but they're available whenever you need them, with no penalties

StearnsConnect online and mobile banking

StearnsConnect

Online and mobile banking that goes where you go.

StearnsConnect is the safe and secure platform that puts banking at your fingertips anywhere, anytime, from any device.

  • Check balances, transactions and deposits
  • Customize email and text alerts
  • View online statements
  • Transfer funds
  • Pay bills and schedule payments
Learn More

The Stearns Bank Difference

  • Check markRecognized national top-performing bank
  • Check markWell-positioned for any economic climate
  • Check markEmployee-owned, customer-driven
  • Check markPersonal service from real people
  • Check markGuidance from dedicated experts
  • Check markNationwide lending and banking services

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 0.5% Diamond Cash Rewards on Above the Norm Checking debit card purchases. Up to $150 per month deposited into your account. No redemption required.
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 maintenance or activity 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 an electronic banking specialist at 888.629.8707. Or visit StearnsBank.com, 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.
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 StearnsBank.com.
Do these accounts pay interest?
Stearns Bank offers interest on all their products. 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

Is Opening A High-Interest Savings Account Right For You?

personal banking
06/27/2019
Read More

CDs vs. Savings Accounts: Which One Is Right For You?

personal banking
05/16/2019
Read More

Mutual Respect Creates Strong Financing Relationship For Landscaping Business

personal banking
02/07/2019
Read More

The Benefits Of An Ongoing Financing Relationship

personal banking
02/02/2018
Read More

Certificate of Deposit Calculator

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

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
Contact a Personal Banker
Connect with Customer Service