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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.

Get an instant-issue debit card at any branch.

To open a Checking account, click here, call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
  Student Checking Beyond Checking 603 Account Beyond Interest Beyond Rewards
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)
(avoid the fee by enrolling in eStatements)
Free Free
Free ATM Access for In-network CO-OP & SUM ATMs          
Out of Network ATM Access $1.00 $1.00 $1.00 $1.00 $1.00
Automated Telephone Banking          
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          
Loan discount with automatic funds transfer from Checking account          

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.

*Annual Percentage Yield (APY) is accurate for all accounts listed, as of the date noted on the deposit rates page. Variable rates are subject to change without notice, and after the account is opened. View all disclosure information here.