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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?

Open Personal Account

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

Account Features

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

Contact a Personal Banker


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 $499,99.99
  • 3.20% APY* if balance is $500,000 or more
  • * APY is annual percentage yield. Rates are accurate as of 03/23/2023 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.

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 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 rewards on debit card purchases?

Stearns Bank offers 0.10% Diamond Cash Rewards on Above the Norm Checking debit card purchases. Up to $150 per month deposited into your account. Pending and preauthorized debit card transactions do not earn cash back rewards until the final transaction posts to the account. Cash Rewards rate effective 6/15/2020.

Is there a minimum balance requirement for the account?

There are no minimum balance requirements to avoid fees.

Is there a monthly fee?

No, there are no monthly service fees for an Above the Norm checking account. However, there are fees for add-on services and tools.

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 the StearnsConnect electronic banking team at 888.629.8707. Or visit, 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. See our question "Do you offer cash rewards on debit card purchases" for details regarding Diamond Cash Rewards.

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 41,000 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

Do these accounts pay interest?

Stearns Bank pays interest on all savings and checking accounts. 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

Five Benefits Of Having Multiple Business Bank Accounts

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Why You Should Be Using Online Banking

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Shop Local For The Holidays

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How To Avoid Fraud While Shopping Online

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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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