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!

To find a SUM® or CO-OP® network ATM, just click on the links provided.

Beyond Free Checking

With no minimum balance, no monthly fees and no hidden charges, Beyond Free Checking exceeds expectations.
  • Unlimited check writing
  • Free Visa® Debit or ATM card  
  • Free point-of-sale (POS) transactions
  • Free online banking
  • Free Bill Pay
  • Free check images online
  • Combined statement
  • eStatements available

Open an account now!

No Monthly Service Fee

View current rates

Open an account now!

Opening accounts at St. Mary's is as easy as 1, 2, 3

  1. Here's a list of what you'll need to open your account
  2. Select the type of account you want to open
  3. Fill out the information form and click submit

You will receive a confirmation email once we receive your information and a follow-up email from one of our Member Contact Center representatives confirming account opening approval and instructions on any further steps if needed.

You will receive your account opening documents in the mail. If you applied for a VISA Check Card or ATM Card, these will be delivered separately for your protection.

Open an account now!

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
  • Free Bill Pay
  • Monthly statement with check images provided  
  • Combined statement available
  • Unlimited check writing
  • eStatements available

Open an account now!

  • Monthly Service Fee of $5 waived with minimum $1,000 minimum daily balance in checking account

View current rates

Open an account now!

Opening accounts at St. Mary's is as easy as 1, 2, 3

  1. Here's a list of what you'll need to open your account
  2. Select the type of account you want to open
  3. Fill out the information form and click submit

You will receive a confirmation email once we receive your information and a follow-up email from one of our Member Contact Center representatives confirming account opening approval and instructions on any further steps if needed.

You will receive your account opening documents in the mail. If you applied for a VISA Check Card or ATM Card, these will be delivered separately for your protection.

Open an account now!

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

Open an account now!

Monthly Service Fee of $15 waived with combined minimum daily balances in all deposit and loan accounts of $20,000

View current rates

Open an account now!

Opening accounts at St. Mary's is as easy as 1, 2, 3

  1. Here's a list of what you'll need to open your account
  2. Select the type of account you want to open
  3. Fill out the information form and click submit

You will receive a confirmation email once we receive your information and a follow-up email from one of our Member Contact Center representatives confirming account opening approval and instructions on any further steps if needed.

You will receive your account opening documents in the mail. If you applied for a VISA Check Card or ATM Card, these will be delivered separately for your protection.

Open an account now!

Be Free Checking (Student)

Easy and convenient, this checking account matches your active lifestyle giving you financial freedom.  
  • No minimum balance, no monthly service fee*
  • No direct deposit required
  • Free Visa® Debit Card or ATM card
  • Free point-of-sale (POS) transactions
  • Free online banking
  • Free bill pay
  • eStatements
  • 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 $5.00 monthly fee. A monthly fee of $7.00 will be imposed if check images are included with statement. 

Open an account now!

  • No Monthly Service Fee
  • Enroll in free eStatements
  • Optional statement copies without images $5
  • Optional statement copies with images $7

View current rates

Open an account now!

Opening accounts at St. Mary's is as easy as 1, 2, 3

  1. Here's a list of what you'll need to open your account
  2. Select the type of account you want to open
  3. Fill out the information form and click submit

You will receive a confirmation email once we receive your information and a follow-up email from one of our Member Contact Center representatives confirming account opening approval and instructions on any further steps if needed.

You will receive your account opening documents in the mail. If you applied for a VISA Check Card or ATM Card, these will be delivered separately for your protection.

Open an account now!