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Above the Norm Personal Market Savings

Saving is easier when you have goals, and, when you have a strong savings account. An Above the Norm personal market savings account makes it easy to reach your goals, no matter what life has in store.

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.

See our blog: Is Opening A Savings Account Right For You?

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Account Features

A savings account with no minimum balance and no opening balance requirement.

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We’ve simplified the best savings account features into one, making the choice easy.


Use StearnsConnect to manage your account, pay bills, view statements from the comfort of home.


Grow your money

  • 1.00% APY* if balance is $99,999.99 or less
    A balance of $0.01 is needed to earn the APY
  • 2.02% APY* if balance is $100,000
    to $499,999.99
  • 3.20% APY* if balance is $500,000 or more
  • * APY is annual percentage yield. Rates are accurate as of 07/03/2024 and subject to change at any time, including after account opening. Fees may reduce earnings.


Your savings are growing, but they’re available when you need them, with no penalties. Find a branch or ATM in our nationwide network.

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:

  • Make a mobile deposit
  • Pay your bills online
  • View 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
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 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 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.

Does Stearns Bank offer IRAs?

Yes. Individual Retirement Accounts (IRAs) are available for personal retirement planning. Traditional and Roth IRA options available. Contact us to learn more and discover the best fit for you.

Are there cash rewards on debit card purchases?

Yes. Diamond Cash Rewards are available on Above the Norm checking, BusinessEssentials checking and BusinessSmart checking debit card purchases. See current rates for details.

Is there a minimum monthly balance requirement for Stearns Bank accounts?

Many Stearns Bank business and personal accounts DO NOT have minimum balance requirements while others, like BusinessEssentials checking DO. See specific account details for current requirements.

Is there a fee for monthly statements?

Monthly eStatements are free and can be requested within your online account (StearnsConnect) under Settings.

Paper statements, if preferred, are $5 per month.

How do I enroll in online banking?

Once your Stearns Bank account is opened, enroll in online banking by visiting the login page and choosing the type of account you’d like to enroll in. Contact the StearnsConnect electronic banking team at (888) 629-8707 if you need assistance.

Are there fee-free ATMs?

Stearns Bank customers have access to 42,000 in-network, fee-free ATMs across the country. Look for the MoneyPass and Shazam logos. You also can find in-network ATMs on the Locations/ATMs page.

Do these accounts pay interest?

Interest can be earned on certain accounts, including Above the Norm checking and market savings accounts, BusinessEssentials checking and BusinessSmart checking and market savings accounts. See specific account details for current rates.

When can I access my deposited funds?

Generally, you can access funds on the first business day after the date of receipt.

Is mobile banking available?

Yes. The StearnsConnect mobile app, you can access your account 24/7; deposit checks, view account balances, transfer funds, pay bills, and more.

Personal Banking Resources

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

Certificate of Deposit Calculator

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