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    Simple Checking

    Looking for a hassle-free account that doesn't earn interest? With a noninterest-bearing Simple checking account, enjoy simplified money management from anywhere.  


    Finally, an account that aligns with you. 

    This noninterest-bearing checking account helps you take control of your finances while staying true to your values and beliefs. 


    Contact a personal banking expert

    Account Features

    • No opening balance requirement 

    • No hidden fees

    • No maintenance fees

    • No minimum balance

    • Noninterest bearing

    • StearnsConnect online and mobile banking - free with account

    • No fees for cash deposits

    • Free monthly eStatements or $5/monthly paper statement fee

    • Nationwide ATM network - more than 42,000 free ATM locations for easy access to your money

    • Nonsufficient funds fee: $30

    Account control, at your fingertips

    From very basic to highly in-depth, you control how to use your account. Take it slow or jump right in with helpful tools and support.

    It's your money. Use it.

    Set up direct deposits, make mobile deposits, pay bills at physical branches or online, and withdraw your money fee-free at our in-network ATMs.

    View statements, manage alerts, pay bills and more with StearnsConnect online banking and mobile app.

    Keep it safe.

    Create notification alerts for deposits, withdrawals, purchases and more. Know what's happening with your money, always.

    Report lost or compromised debit card to our team to stop unauthorized use. Stearns Bank also has a fraud program to protect you from scams and theft.

    Opening Your Noninterest-Bearing Account With Expert Guidance

    When you’re ready to get started, our team will help guide the way. We’ll start by getting to know you and answering your questions. Next, we’ll gather information and walk you through the simple account opening process.

    You’ll receive confirmation and can start using your new account immediately.


    Let's Get Together

    Building a strong, long-lasting relationship with your bank shouldn’t be difficult. At Stearns Bank, service is personal, and your success and satisfaction are what drive us.

    Contact a personal banking expert
    Contact a Personal Banker
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