Stearns Bank N.A. - St. Cloud, Saint Cloud, MN

Bad predatory bank. I did a construction loan with them through Ameris Bank. I missed signing a renewal of the loan documents about two times and within a few days of the deadline. The loan was for $10,500,000. They charged me over $1,000,000 for missing those deadlines. After complaining the bank cut me some slacks and told me to pay over $200,000 in fees for signing those documents late. I had no choice or they won't release the note which will incur more interests for me. I stand by this review. Call me if you want confirmation.

I financed medical equipment with Stearns, extremely unhappy with their customer care. Regret using them, and NEVER will again. They are 'fee happy', and tried to blackmail me to use ACH auto pay after reassuring me it was not required. NEVER AGAIN!! Don't use them, you'll regret it.

One of the worst banks I have ever dealt with. Went to the drive through to exchange $40 for four rolls of quarters. The lady asked if I had an account with them. No, cause I live an hour away. She says she can't exchange it then. Seriously? It's not like I am cashing a check. The teller lady was rude as hell and smiled while she was being rude. So I call to speak to the bank manager. I explain the situation and she tells me it's because of risk of money laundering? Really!? Do you honestly think I am going to money launder $40? Then I proceeded to ask why other banks would do it but not them. She said it's a federal thing. If it's a federal thing then no banks would do it period. Just as I was about to say something she says thanks for calling and literally hangs up on me and clearly slammed the phone down as you could hear it smack the base of the phone. I recommend staying away from this bank all together and take your business somewhere else. Horrible horrible and unprofessional.

My wife and I Co-signed on equipment on two separate occasions. She is a physician and I am the business manager. We are co-owners of our clinics. Over time Stearns only wanted to lend to my wife bc she was the doctor despite our ownership in the company being equal and me making all the purchases. Even when items were originally in my name and being paid off, they insisted on sending documents to my wife only. Who does that? At a minimum, 1/2 of the equipment is mine as I had to sign for loan and run my credit, but they only send documents to her? Unfortunately for Stearns I make all our company purchase decisions so they can have their policies and I’ll finance elsewhere.

We just finished up our 4th financing deal with Stearns. Kristy and her team has gone above and beyond with every transaction to make sure we can continue to add to our fleet of equipment when the need arises. We look forward to the next time we can work together!

Bad predatory bank. I did a construction loan with them through Ameris Bank. I missed signing a renewal of the loan documents about two times and within a few days of the deadline. The loan was for $10,500,000. They charged me over $1,000,000 for missing those deadlines. After complaining the bank cut me some slacks and told me to pay over $200,000 in fees for signing those documents late. I had no choice or they won't release the note which will incur more interests for me. I stand by this review. Call me if you want confirmation.

I financed medical equipment with Stearns, extremely unhappy with their customer care. Regret using them, and NEVER will again. They are 'fee happy', and tried to blackmail me to use ACH auto pay after reassuring me it was not required. NEVER AGAIN!! Don't use them, you'll regret it.

One of the worst banks I have ever dealt with. Went to the drive through to exchange $40 for four rolls of quarters. The lady asked if I had an account with them. No, cause I live an hour away. She says she can't exchange it then. Seriously? It's not like I am cashing a check. The teller lady was rude as hell and smiled while she was being rude. So I call to speak to the bank manager. I explain the situation and she tells me it's because of risk of money laundering? Really!? Do you honestly think I am going to money launder $40? Then I proceeded to ask why other banks would do it but not them. She said it's a federal thing. If it's a federal thing then no banks would do it period. Just as I was about to say something she says thanks for calling and literally hangs up on me and clearly slammed the phone down as you could hear it smack the base of the phone. I recommend staying away from this bank all together and take your business somewhere else. Horrible horrible and unprofessional.