Checking
Browse Your Checking Options
All accounts include free online banking and bill pay with check images, unlimited check writing, and free point-of-sale (POS) transactions.
To open a Checking account,
click here, call our Member Contact Center at
1-888-786-2791, or visit one of our
branch locations.
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Student Checking
To open a Student Checking account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
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Beyond Checking
To open a Beyond Checking account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
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603 Account
To open a Beyond Interest account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
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Beyond Interest
To open a Beyond Rewards account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
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Beyond Rewards
To open a HSA Checking (Health Savings) account, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
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Ideal For |
Students ages 13 to 25 looking for electronic convenience with no minimum balance requirement. (Minors must have parent or guardian as a joint owner) |
Electronic convenience with no monthly service fee and no minimum balance requirement |
603 Account rewards local non-profits while offering all of the conveniences of Beyond Checking |
Earn interest on account balances while enjoying no monthly fee with balances of $1,000 or more |
Our premier checking account that offers the most competitive interest rates and benefits |
Monthly Service Fee |
Free |
Free |
Free |
$5 |
$15 |
Minimum Daily Balance to avoid fee |
n/a |
n/a |
n/a |
$1,000 |
$20,000
combined deposits & loans |
Minimum balance to open |
$10 |
$10 |
$10 |
$10 |
$10 |
Check images |
available online |
available online |
available online |
available online & monthly statement |
available online & monthly statement |
Paper Statement fee |
$2 |
$2
(avoid the fee by enrolling in eStatements) |
$2
(avoid the fee by enrolling in eStatements) |
Free |
Free |
Free ATM Access for In-network CO-OP & SUM ATMs |
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Out of Network ATM Access |
$1.00 |
$1.00 |
$1.00 |
$1.00 |
$1.00 |
Automated Telephone Banking |
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Interest (APY*) |
n/a |
n/a |
n/a |
0.01% |
0.05% |
Other Benefits |
Free Pass - one free stop payment or ATM surcharge |
n/a |
n/a |
n/a |
free Money Orders and Treasurer's Checks |
Get paid up to two days early with direct deposit |
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Loan discount with automatic funds transfer from Checking account |
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HSA Checking (Health Savings) Account also available! Ideal for members enrolled in a high-deductible health plan. HSA Checking at St. Mary's Bank is a portable account: stays with you if employment or insurance carriers change. Unused balances automatically roll over. Call or visit a branch to get started.
It's easy to open an account!
Call, click, or visit a branch to get started.