Personal Banking

Checking

St. Mary's checking accounts offer services above and beyond those of typical checking accounts, like access to thousands of surcharge-free ATMS through the CO-OP® and SUM® ATM networks. When you use your ATM or Debit card at a St. Mary’s Bank ATM, or at any SUM® or CO-OP® network ATM, transactions are surcharge-free!

Beyond Checking

  • No minimum daily balance; no monthly maintenance fee 
  • Unlimited check writing
  • Free Visa® Debit or ATM card  
  • Free point-of-sale (POS) transactions
  • Free online banking and bill pay
  • Free check images online
  • Combined statement
  • eStatements available
A $2.00 monthly fee will apply for paper statements. Avoid the fee by enrolling in eStatements.

View current rates

To open an account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.

Beyond Interest Checking

Earn interest with this affordable checking option.
  • Interest-bearing account
  • Free Visa® Debit Card or ATM card 
  • Free point-of-sale (POS) transactions
  • Free online banking and bill pay
  • Monthly statement with check images provided  
  • Combined statement available
  • Unlimited check writing
  • eStatements available
Monthly Service Fee of $5.00 waived with minimum $1,000 minimum daily balance in checking account

View current rates

To open an account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.

Beyond Rewards Checking

  • Competitive interest rate 
  • Free standard checks (initial order and all reorders)
  • Unlimited check writing
  • Free Visa® Debit or ATM card 
  • Free point-of-sale (POS) transactions
  • Free online banking with check imaging
  • Free Bill Pay
  • Combined statement
  • No minimum balance to earn interest
  • Free money orders and Treasurer's checks
  • Overdraft Protection annual fee waived
  • eStatements available
Monthly Service Fee of $15.00 waived with combined minimum daily balances in all deposit and loan accounts of $20,000

View current rates

To open an account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.

Student Checking

Easy and convenient, this checking account matches your active lifestyle giving you financial freedom.  
  • No minimum daily balance; no monthly maintenance fee
  • No direct deposit required
  • Free Visa® Debit Card or ATM card
  • Free point-of-sale (POS) transactions
  • Free online banking and bill pay
  • eStatement only*
  • Account available for individuals between the ages of 13 and 25
  • Minors must have a Parent or Guardian as a joint owner

    * If paper statement is required, there will be a $2.00 monthly fee.
A $2.00 monthly fee will apply for optional paper statements.

View current rates

To open an account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.