FAQ's

You must have an Online Banking account to use Bill Pay. To sign up for Online Banking click here.

Yes. Once you open the eStatement you will be able to print it just like you print any document on your computer.

Membership is open to anyone with the purchase of one share of capital stock for $5. 

The word "Bank" in our title, is the result of the literal translation of our founding French name La Caisse Populaire (meaning "the people's bank") Ste. Marie, by the New Hampshire Legislature.

• A credit union is a nonprofit, cooperative financial institution owned and run by its members. A bank issues stock and is owned by its stockholders who may not necessarily be its customers. 
• Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. 
• Credit unions are "Not for profit, not for charity, but for service". 
• Like credit unions, banks accept deposits and make loans - but unlike credit unions, they are in business to make a profit. 
• Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments.

You can visit these sites:

• America's Credit Union Museum
• Cooperative Credit Union Association
• NCUA National Credit Union Administration
• CUNA Credit Union National Association

To change your address, please visit any branch office, call our Member Contact Center at 1-888-786-2791, or send us a secure message through online banking. You can also mail your request to:

St. Mary's Bank
Member Contact Center
PO Box 990
Manchester, NH 03105-0990

To obtain specific account information, please call Direct Connect, our 24-hour automated system at 603-647-1177, or contact our Member Contact Center at 1-888-786-2791. If you are currently a member of St. Mary's, you can use our free Online Banking service, which allows you to access your financial information, any time.

To obtain copies of your forms for tax purposes, please call our Member Contact Center at 1-888-786-2791.

St. Mary's routing number (also known as the Transit or ABA number) is 011400149.

If you are making a payment or transfer, or setting up direct deposit, you will need the routing number and your MICR number. You can find your MICR number in Online Banking as shown below:



OR

on the bottom of your checks as shown below:


 

Your MICR number is a 13-digit number that is associated with a specific account. This number is used to set up electronic payments. You can find your MICR number in Online Banking as shown below:



OR

on the bottom of your checks as shown below:





If you are making a payment or transfer, or setting up direct deposit, you will need your MICR number and St. Mary's Bank's routing number. St. Mary's routing number (also known as the Transit or ABA number) is 011400149.

If your ATM, debit card, or Visa® Credit Card is lost or stolen, please report it immediately. Prompt reporting will help avoid unauthorized charges to your account. You have two contact options:

1. Call our Card Support Center:

1-877-268-2612
24 hours a day
Seven days a week
Closed Christmas and Thanksgiving

2. Use the online service anytime if you are already signed up for online banking:

Just follow these simple directions:

1. Login to your online banking account
2. Under “Preferences” select the option “Report a Lost Card”
3. On this screen, you will see the Visa® Credit Card and ATM/Debit cards linked to your account(s).
4. Check on the card you wish to deactivate and click submit.
5. Once your Visa® Credit Card or ATM / Debit card has been reported lost or stolen, a new card will be automatically mailed to you. You should receive your new card within 7-10 business days. There will be a card replacement fee of $10 that will be charged to your account.


PLEASE NOTE: Additional information regarding your rights and responsibilities can be located within your Electronic Funds Transfer (EFT) Disclosure or by contacting our Member Contact Center at 1-888-786-2791.
 

By Phone: St. Mary’s Member Contact Center toll free at 1-888-786-2791.

By Mail:
Member Contact Center
St. Mary’s Bank
P.O. Box 990
Manchester, New Hampshire 03105-0990

By Email
 

Mortgage closing costs vary, depending on the type of transaction (purchase or refinance), size of the loan and whether or not you are paying "points”. Additional services such as legal review of a trust or, power of attorney and other ancillary services may add to the fees that we charge as these services add to our costs to process and approve your loan.
 

Typically, you can close your mortgage loan within 45 days of application, depending on the time of year and the type of transaction. We can sometimes close sooner than that, depending on the transaction and the timeliness of information and documentation provided.
 

We do offer rate locks on residential mortgages, for almost any term needed: 30-, 45-, and 60-day locks, or longer. Additional fees and/or higher rates may apply for locks in excess of 30 days. Please call one of our mortgage representatives at 603-629-1585 or 1-888-705-9596 to get more information.

 

Yes, we have many programs to meet the needs of first-time buyers. Our Welcome Home Program helps buyers with low to moderate income levels offering low rates and down payment requirements. In addition, we participate in New Hampshire Housing, FHA, VA, and several other programs designed to meet the needs of first-time homebuyers. We also offer free prequalification by phone or in person to potential homebuyers to determine the best mortgage programs to fit their specific home buying needs.

Yes, as a credit union, St. Mary's offers a wide variety of portfolio loan programs for non-conforming properties and other situations where more flexible lending guidelines may be appropriate.

Yes, we offer mortgage loans for investment property. Our most popular program for 1- to 4-unit investment properties allows for a relatively low down payment and no points. We also offer financing for large, multi-unit properties (5+ units) and mixed-use properties through our commercial lending division – call 603-629-1540.

We do! We offer second and vacation home financing. We can also finance three-season homes and summer cottages with one of our portfolio programs. To find the mortgage program that best meets your needs, please contact one of our mortgage representatives at 603-629-1580 or 1-888-705-9596.

You will be provided with a "Closing Disclosure" form three (3)-days prior to your scheduled closing date. The "Closing Disclosure" will state the specific amount of funds that you are required to bring to closing in the form of a cashiers/bank check, made payable to the closing agent.

Three (3)- days before your scheduled closing, you will receive a call from the settlement agent letting you know if you need to bring a certified check to the closing and exactly how much it needs to be.

A picture identification, copy of your insurance binder (or existing policy) with a paid receipt and a certified check for any monetary amount required.

Yes, we will provide you with a copy of your appraisal as soon as it is available.

The correct wording is as follows:

St. Mary's Bank, Its Successors and/or Its Assigns, As Their Interest May Appear
c/o Loan Servicing
48 Perimeter Road
Manchester, NH 03103

There is no Annual Fee with a St. Mary’s Bank Credit Card. Please see the Account Terms and Conditions for more information.

A secured credit card uses money you place in a savings account which is used as collateral. Your credit line is based on your income, ability to pay, and the amount of your collateral deposit. A secured credit card is good for members who are new to credit, or for members who are just starting out or rebuilding credit after a major life event such as divorce, job loss, or serious illness. 

Credit life and disability insurance can provide valuable financial security to you and your family if an illness occurs that keeps you out of work or in the event of loss of life.

The easiest way to transfer funds between your St. Mary's accounts is to use Online Banking, our free, secure online banking service. With Online Banking, you can transfer funds on a one-time basis or establish recurring transfers on a weekly, semi-monthly or monthly basis. Other options for transferring funds between your St. Mary's accounts are Direct Connect, our automated telephone banking service, calling our Member Contact Center toll-free at 1-888-786-2791, or visiting any branch office and speaking with a Member Service Representative.

For the easiest and fastest method, reorder personal checks online. You can also order checks by calling our Member Contact Center toll-free at 1-888-786-27911, mailing your reorder form to us, or dropping it off at any of our branch locations. 

Generally, we will request that you provide two years of tax returns if you are self-employed.

We may ask you to provide two years of tax returns as we consider your loan request.

You may also request research on your account(s) or obtain copies of your statements, checks, and deposits by contacting our Member Contact Center toll-free at 1-888-786-2791. Sign up today and access your account history information online using our free Online Banking.

You can stop payment on a check through online banking or you can call our Member Contact Center toll-free at 1-888-786-2791. A verbal stop payment on your account will be accepted by telephone, but you must sign and return a stop payment form, which you can pick up at any branch, within 14 calendar days of making the verbal request. The stop payment will be deleted from the system if the stop payment form is not signed and returned within 14 calendar days. A processing fee for each stop payment will be automatically deducted from your account. An accurate and complete stop payment is guaranteed after a 24-hour waiting period.

Yes, you may refinance your car loan through St. Mary's Bank. Receive a 0.25% discount off your interest rate when you register for Automatic Funds Transfer (AFT) from your St. Mary's Beyond Checking Account.

Click here to see our Consumer Loan Rates.

For Traditional Home Equity Line of Credit:
During the first ten years of your equity line of credit (the draw period), you will be billed monthly for the interest due on your loan balance. After the ten-year draw period, we will work with you to convert your line of credit into an equity loan, during which time the principal and interest will be repaid over a ten year time frame.

For Home Equity Line of Credit with Lock Option:
During the first ten years of your equity line of credit with a lock option loan (draw period), you will be billed monthly for the interest due on your loan balance.  At any time during the draw period you may choose to lock any or all of your line into a fixed-rate advance. You will choose the term of the advance and pay it back just like a fixed-rate loan.  These fixed payments will be in addition to any interest payments due on any balance that is not locked.  As you pay down your balance, your available credit will increase. You can have 3 fixed-rate advances in one year and at any one time, and 10 over the life of the loan. After the ten year draw period, your line of credit will be converted so that no further advances will be available and you will be billed monthly principal and interest payments to repay your balance over a 10 year time frame.

This is notification that an item deposited into your account has been returned for some reason, typically for non-sufficient funds (NSF). The notice states the amount of the item deposited and the date the deposit was made. There is a processing fee for all items returned. If "WV" appears next to the fee, it means that the fee has been waived and the item has been re-deposited for you.

After your CD/IRA matures, you have a 10-calendar day grace period to make changes to your account.

There are four steps involved in using the one-time service to make online payments:

• Enter payment information: Your St. Mary’s Bank loan account number and the amount you are paying.
• Enter contact information: Your name, address, phone number, and e-mail address.
• Enter payment method information: Your bank account or Debit Card information.
• Review and submit: The system allows you to review the information you've entered and make any necessary changes if applicable. You will then submit the payment and receive your confirmation reference ID via email.

You will need to enter this information each time you make a payment using the Just Pay It service.

If you are looking for automated payment processing, we offer several options like Automatic Funds Transfer (AFT) from a St. Mary’s Bank checking or savings account, free bill payment and electronic funds transfer (EFT) for payments from accounts held at another financial institution. For more information on setting up a recurring payment, or if you have any questions on any of these services, please call our Member Contact Center at 1-888-786-2791, or visit any of our branch locations.

Yes. Once you make your loan payment you will be able to print the confirmation page by using the print option in your browser.

An updated signature card is required in order to add or delete someone from your account. You may visit a Sales & Service Representative at any branch office or you may contact our Member Contact Center toll-free at 1-888-786-2791. A representative can accept your information over the telephone and mail you the necessary documentation.

Just Pay It is an electronic loan processing system which allows you to make a one-time loan payment to your St. Mary’s Bank loan via our secure web site.
 

These payments can be made with a checking or savings account from St. Mary’s Bank or any other financial institution. Payment can also be made with a Debit card.

No, you will be asked for you loan number and the last 4 digits of the primary account holder's Tax Identification Number (TIN).

Yes. There is a processing fee of $9.95 to make payments using Just Pay It through the St. Mary’s Bank website.

Payment amounts are limited to your regular payment amount due at this time. Payment of another amount may result in a delay in the processing of your payment.

Payments received prior to 7:00 p.m. Eastern time are applied to the loan on the same business day. Payments received after 7:00 p.m. Eastern time will be applied to the loan on the following business day.

Yes, but you must contact us first to cancel your automatic funds transfer to avoid duplication of payments.


 

If you need to cancel a payment please call our Member Contact Center at 1-888-786-2791, or visit any of our branch locations.
 

No, please allow one business day for the payment to be reflected on the loan. If you still have questions or concerns, please call our Member Contact Center at 1-888-786-2791, or visit any of our branch locations.

Payment Privilege is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Payment Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

 

There is no additional cost associated with this privilege unless you use it. You will be charged our overdraft per item paid fee of $32 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in a total of $90 in overdraft fees for that day. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement.

As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Payment Privilege limit as a non-contractual courtesy.

For overdraft privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Payment Privilege as a continuing line of credit; (3) Not being in default on any loan or other obligation with St. Mary’s Bank; and (4) there are no legal orders, levies or liens against your account.
Please note that the amount of the overdraft plus our overdraft per item paid fee of $30 will be deducted from your overdraft limit. If the item is returned, the overdraft per item return fee of $30 will be deducted from your account. No interest will be charged on the overdraft balance.
Please refer to the member overdraft policy for additional details.

You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your checkbook.

Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts.
 

Beyond Checking	$ 300
Beyond Rewards and Beyond Interest Checking	$ 500

Overdrafts above and beyond your established Payment Privilege limit may result in checks or other items being returned to the payee. The overdraft per item return fee of $30 will be charged per item and assessed to your account. A non-sufficient funds notice will be sent to notify you of items paid and/or returned.

You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. If you are not able to do so, you will receive a letter from St. Mary’s Bank informing you that your Payment Privilege limit has been suspended and additional items will be returned.

The chart below shows the different ways you can access your Payment Privilege limit.
 

Access points	Is my overdraft privilege available?
Teller	Yes
Writing a Check	Yes
Debit Card (recurring)	Yes
Debit Card (everyday)	Optional*
ATM Withdrawal	Optional*
ACH - Auto Debit	Yes
Online Banking	Yes
Bill Pay	Yes
Telephone Banking	Yes

*Payment Privilege service will be made available for ATM or everyday debit card transactions upon your request. Enroll online, call 1-888-786-2791 or visit one of our branches to arrange for your ATM and debit card coverage.

If you are a new member, you may be able to use the Payment Privilege service 30 days after your account is opened, assuming your account is in “good standing”. 

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your check book regularly and manage your finances responsibly. We also offer a variety of online tools to help you manage your finances and avoid overdrafts. If you haven’t done so already, sign up for Online Banking and Bill Pay for easy tools to manage your finances online. However, if a mistake occurs, St. Mary’s Bank offers additional ways to cover overdrafts** in addition to Payment Privilege. Other options include:
 

Good account management	$0
Link to savings account	$10 per sweep
Overdraft line of credit	18% Annual Percentage Rate
Payment Privilege overdraft per item paid	$30

If you would like to have this service removed from your account, please call 1-888-786-2791 or visit a branch office.

Bill payments through online banking, recurring debit card payments, checks and other transactions made using your checking account number may continue to be authorized at our discretion even if you don’t opt in to Standard Overdraft Practices. If we authorize and pay an overdraft transaction on your behalf, standard overdraft fees will apply. 

The service we provide you through Overdraft Protection is separate from the Payment Privilege for ATM and one time debit card transactions service that can be added to your account. When a debit card transaction exceeds your available balance, your St. Mary’s Overdraft Protection is used first to cover the overdraft. Payment Privilege would only be used if funds are needed beyond what is available through your Overdraft Protection. 

If you do not opt in to Payment Privilege, any ATM or everyday debit card transactions that exceed your available balance may be declined. 

You can find a copy of the policy online here, at any office location or we can have one mailed to you. Please call our Member Contact Center at 1-888-786-2791.

**These costs are provided only as examples. Please refer to our schedule of fees. 

To ensure the security of your account information, Online Banking will lock your Login ID after three unsuccessful login attempts. To unlock and reset your password, click on the Reset Password link on the Online Banking Login page (in order to use this you must first activate the Self-Reset feature for your Online Baking ID).

If you have not previously activated the reset password feature, you may call our Member Contact Center at 1-888-786-2791 during regular business hours to unlock your Login-ID.

Transfers and consumer loan payments made before 9:00 p.m. Eastern Time will be included in the current business day's activity. Mortgage, equity loan mortgage alternative, and commercial loan payments made before 5:00 p.m. Eastern Time will be included in the current business day's activity. Any payments made after the stated times will be processed the next business day.

Yes, you can set up your payment on a one time or recurring basis. Both, the loan you are paying, and the account you want to pay from, need to be linked to your Online Banking user ID.

Yes. When you set up your loan payment in Online banking you can specify that your payment be applied to principal or applied as a regular payment. Simply select the appropriate option from the "Payment Option" drop down box on the Transfer Funds screen.

Please call our Member Contact Center toll-free at 1-888-786-2791, during regular business hours, or use our Contact Us e-mail form to request that we add any missing accounts to your Online Banking.

To change your e-mail address with us you will first need to log in to Online Banking. Once logged in, click on the "Preferences" option at the top of the page. This will bring you to the Personal Preferences page. Simply input your new e-mail address in the box to the right of your old e-mail address and click on the "submit" button.

If your business is set up as a sole proprietorship and uses your personal tax ID number you will be able to transfer between your personal and business accounts. If your business has its own tax ID number you must obtain an Online Banking User ID for your business that is separate from your personal Online Banking User ID and therefore cannot use Online Banking to transfer funds between your business and personal accounts.

For lost or forgotten Online Banking passwords and Login IDs, call our Member Contact Center toll-free at 1-888-786-2791 during regular business hours.

You can securely pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.

When scheduling payments, please allow up to 2 business days for electronic payments and 5 business days for check payments. Each time you schedule a payment you will be presented with a Deliver by Date that you select, which will calculate the send-on date based upon the way the payment is sent. 

If you are unsure if a payment is being sent electronically or by check, refer to the Pay To column in your Payees List. Allow extra delivery time for payments being sent by check.

To ensure your payment is received by the Deliver by Date, the payment will be deducted from your account one business day earlier.
 

You can access Bill Pay through Online Banking by clicking here.

Once an account is opened, it takes approximately 1 business day for it to appear in your account list within Bill Pay.

Yes. Through our Bill Pay system, you may send person-to-person payments (electronic or check). Simply click the "Add a Payee" link and select "Pay an individual" to get started.

Verified by Visa is an innovative service offering secure Internet shopping, using your preferred form of internet payment - the debit card. Verified by Visa lets you add a personal password to your existing card, getting added security and the reassurance that only you can use your card online.

When you purchase online, Verified by Visa issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal password and click "Submit" to proceed with the purchase. Without your password, the purchase cannot take place.

Once you've registered and created a password, each time you make an online purchase, a window will pop up asking for your password like using your PIN at the ATM. When you correctly enter your password, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your financial institution cannot confirm your identity and the purchase will not be completed. No code, no confirmation, no purchase.

If you forgot your password, select the, “forgot your password, click here” link that appears on the receipt. In the following page, re-enter the identifying details that you submitted during your registration for the Verified by Visa service. You will then be able to select a new password.

Please contact us at 1-866-707-6819 for assistance. We are open 24 hours a day, 7 days a week for your convenience.
 

You can sign up online through your online banking account, just click on the eStatement tab on the top header of your online banking screen.

Your eStatement will present your combined statement exactly as it has been on your paper statements. If you elect to receive an eStatement on a Deposit Account that is part of a combined statement and it is the primary account, the eStatement will include all accounts combined with that primary account. If you wish to receive separate eStatements for any of your accounts, you must first separate your statement. Please contact our Member Contact Center or one of our Branches for assistance in excluding a particular account from a combined statement. 

Check images may be viewed, accessed, or downloaded from Online Banking. 

We will send you an email with your eStatement attached as a PDF file requiring your online banking logon to open it. You can also view eStatements available through your online banking account.
 

Yes, your eStatement looks exactly like your paper statement.

eStatements will be available via online banking for up to 24 months, but you can save the PDF file to your computer at any time.
 

Yes. We offer the option of receiving eStatements for each of your accounts with the credit union, or you can have the option of receiving a combined statement and viewing all your accounts in one eStatement. 

There is no charge, eStatements are free!

Yes. You must sign up for online banking to have access to eStatements. If you are not signed up for online banking, it’s easy to enroll. Visit www.stmarysbank.com and at the top of the page click on Manage My Account and choose the option enroll in online banking. 

Security is a top priority at St. Mary's Bank. Please visit our Frequently Asked Questions on Security to learn more.

Yes. Your login ID and password will be the same ones you use to access your online banking account.

Yes. You will need to have a recent version of Adobe® Reader® installed on your computer. Adobe® Acrobat® Reader^TM is free software used for viewing and printing of electronic forms. 

The e-mail that contains your electronic statement will have a link to enable you to download the free software at that time. You can also download a free version of the software at the Adobe site here, http://www.adobe.com/products/acrobat/readstep2.html

In order to continue receiving the email notice that your latest eStatement is available, you need to notify us of your email address change. You can change your email address through your online banking account under the Preference tab. You may also call our Member Contact Center at 1-888-786-2791 or visit any of our branch locations.

You will stop receiving paper statements with your next periodic statement cycle.

If you cannot access your eStatement or you forgot your password, you may call our Member Contact Center at 1-888-786-2791 or visit any of our branch locations.
 

You may terminate your enrollment in the electronic delivery service at any time through the following options: (i) by de-selecting all accounts via the Account and Document section of St. Mary’s Bank Online Banking. (ii) By providing us with written notice by following the “By Mail” instructions in “How to Contact Us” below. If you terminate your enrollment in the eStatement Service, paper statements will resume with your next periodic statement. (iii) By calling our Member Contact Center at 1-888-786-2791 or visiting any of our branch locations.

 

No. You will receive one or the other for accounts. Please note that certain accounts are offered with the electronic delivery option only, please contact the Member Contact Center at 1-888-786-2791 for more information or read the information provided in the Termination of Electronic delivery section of your eStatement disclosure.

Online Banking and Bill Pay are very secure ways for you to view and manage your accounts with St. Mary's Bank. Your account information can only be accessed upon verification of your User ID and password. Any information shared between you and St. Mary’s Bank is encrypted (scrambled) when it is sent across the internet. We take great care in creating a safe environment that uses state-of-the-art security features to protect your data.

For security reasons, we require that your web browser be capable of supporting 128-bit SSL encryption in order to access any of the Online Banking Services. To assist you in determining if your browser supports 128-bit encryption we provide a "Test Browser" button on the Online Banking Login Page. This will scan your browser and notify you if your browser supports strong encryption (128-bit) or notify you if you need to upgrade the security capabilities of your browser. If an upgrade is required you will be presented with a link to download the 128-bit version of your browser. For additional security, we also require that your browser be set to accept cookies. A "cookie" is a small amount of information that a web server can store in your browser. Online Banking uses cookies to track the length of time that your session remains inactive. After 10 minutes of inactivity we disconnect your session from our system. To reconnect, simply log back in using your User ID and password.

Encryption is the process of scrambling information so that only the sender and the recipient can read the information. We use 128-bit encryption, which is the strongest level of encryption currently available for public use in the United States, to protect any information sent between you and us while you are logged in to our Online Banking Services.

To change your Online Banking password you will first need to log in to Online Banking. Once logged in, click on the "Preferences" option at the top of the page. This will bring you to the Personal Preferences page. Simply input your current password (the one you just used to log in to Online Banking) in the first box, select a new password and it in both the second and third boxes and click on the "submit" button. Please use this new password the next time that you log in to Online Banking.
 

If you have forgotten your Online Banking password you can click the "Forgot Password?" link on the login page, as shown below, and follow the prompts.



For lost or forgotten Online Banking Login IDs, call our Member Contact Center toll-free at 1-888-786-2791 during regular business hours.
 

No. Your personal image, security questions, and answers are separate from your regular password, which will not change. To further safeguard your accounts, we do recommend that you change your password frequently.

Mobile Banking is designed to operate with web enabled mobile devices and tablets to access bank/member accounts in order to check balances, transfer funds, and make deposits. Online Banking uses a desktop computer or laptop to access financial accounts.

The security features add a layer of protection to your online account by letting you know it’s really us, and letting us know it’s really you.

Letting you know it’s really us – Personalized Image
You pick one of thousands of images and every time you attempt to log into your online banking, your image will appear before you enter your password. Seeing your image will let you know that you are at your real online banking site and not a fake or fraudulent site. This means it is safe to enter your password. If the correct image does not appear, do not enter your password. Remember, once you have signed up, never enter sensitive information such as your password without first seeing your personal security image first.

Letting us know it’s really you – Security Questions
You will be asked to set-up several security questions that only you should know the answers to.
The security system will recognize the computers you normally use to access your online banking site.
In the future, if you or someone else attempts to log in to your account from an unrecognized computer, you will need to answer some of your security questions you are able to continue.

You will be prompted to select your personal image and security questions and call back number the first time you log into online banking. When you are prompted, please take a moment to set up your image, call back number, and questions in order to add an additional layer of protection to your account.

St. Mary's Bank members must have an active Online Banking account and a web enabled cell phone with the browser service turned on. It is also suggested that the cell phone has the text messaging feature activated so confirmations of transfers and other important messages can be received by the member.

St. Mary’s Mobile Banking is not dependent on a certain brand of cell phone and should work with any web enabled mobile device or tablet that allows secure web browsing.

Your answers should be something you can easily remember, yet not readily known by others. Try to avoid using answers that will change over time.  Enter your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions.

With St. Mary’s Mobile Banking, members can:

• View account balances
• Transfer funds between accounts. Future and re-occurring transfers supported by Online Banking only.
• View transaction history
• Pay bills
• View alerts
• Locate St. Mary’s Bank branches and ATM’s
• Make deposits with Deposit Anywhere if enrolled in the service

No, St. Mary’s Bank will not charge its members a fee to use this service. However, members may incur additional charges from their cell phone providers to add features like web browsing and text messaging.

You will only be prompted to answer some of your security questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior. 

Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you to answer your security questions to make sure it is really you and not an unauthorized user. The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, and the typical security settings for your computer. Hundreds of factors such as these create a profile that is unique to you and allows us to make decisions about whether the person conducting a given activity or transaction within your account appears to be you.

Log into St. Mary’s Online Banking, and from there, activate Mobile Banking located under “preferences”. Or, if using our iPhone, iPad, or Android apps, just download the app and log in with your existing online banking user ID and password. 

No, you will use your existing Online Banking ID and Password to log into Mobile Banking.

If your user ID and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your online account at all times. The personal image also helps you to ensure that you are always logging in to our legitimate website, not a fraudulent one.

We only show you your personal security image if you log in from a recognized computer or after you have answered some of your security questions. Therefore an unauthorized person will not have access to your image. Remember, once you have signed up, never enter sensitive information such as your password without first seeing your personal security image. 

It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be. 

Each time a transfer is made a confirmation number is presented on the mobile device. Additionally, a confirmation text message will be sent to the mobile device that was registered during activation. If a confirmation text message is not received, transfers can be verified by checking balances via mobile banking, online banking, telephone banking, ATM or in person at a branch.

The minimum requirements for Deposit Anywhere include:

• Must have an active Online Banking account
• Must utilize the St. Mary's Bank mobile banking application
• Must be at least 16 years of age OR have a Student Checking with a responsible parent/guardian
• Checks must be endorsed with signature as well as "For Remote Deposit Only"
• See Deposit Anywhere Disclosure & Agreement for additional requirements and terms 

As a mobile user, you must de-activate the service within St. Mary’s Online Banking. Log in to St. Mary’s online banking and go to Preferences and deactivate the Mobile Banking service.

Yes, you can change your personal security image or security questions at any time. To make the change, go to the services tab after you log in to your account. Please note that for your protection, we will periodically request that you update the information as well.

This might happen in rare cases. Before answering a challenge question or entering your password, make sure that you are going to our legitimate website. The easiest way to ensure this is by typing our URL directly into your web browser. Then, after you answer the security question, you should see your personal security image next to the password field. If your personal security image is there, you can be confident that you are at our legitimate website and can enter your password.
Remember, once you have signed up, never enter sensitive information such as your password without first seeing your personal security image. 

While there is no search feature in mobile banking, you will be able to view history of transactions on your mobile device.

Yes, St. Mary’s Bank has a free Mobile Banking App available for free download through iTunes or Google Play. Just download the app and log in with your online banking user ID and password. 

No, not all checks can be deposited using Deposit Anywhere. Here is a list of unacceptable checks:

• Any item drawn on your St. Mary’s Bank Account
• Any item that is stamped with a "non-negotiable" watermark
• Any item that contains evidence of alteration to the information on the check
• Any item not issued in U.S. dollars or drawn on a U.S. financial institution
• Any item that is incomplete
• Any item that is "stale-dated" or "post-dated"
• Any third party check, i.e., any item that is made payable to another party and then endorsed to you by such party
• Any check marked "without recourse"
• Any check in which the payer is an insurance company 

Yes. You can access your accounts on any mobile device that is web enabled and allows secure web browsing. However, the text messages will be sent to the mobile device that was registered during activation.

With SMB's Mobile Banking, you can access your accounts, check balances, make transfers, and deposit checks with a single sign-on. Once you have been approved for Deposit Anywhere, follow these easy steps to get started:

1. Go to the App store and download the "St. Mary’s Bank Mobile Banking" App to your device (Mobile Banking App supported on the iPad, iPhone and Android).
2. Open the Mobile Banking App and login with your existing Online Banking user ID and password. If you are not currently enrolled in Online Banking, you can enroll here.
3. To make a deposit, select the Deposit icon.
4. Take a picture of the front and back of the check being deposited, enter the check amount, and select the account you want to deposit the check to. Be sure that it is endorsed with your signature and "For Remote Deposit Only"
5. Select "Deposit" to submit. 

Deposit Anywhere is an online service that enables you to deposit checks directly into your St. Mary’s Bank Checking or Savings account(s) from anywhere at any time. Deposit Anywhere can be used with the iPad, iPhone or Android smart phone using the St. Mary's Bank Mobile Banking App, which is available for free through iTunes or Google Play.

Yes, Deposit Anywhere uses the same security and encryption measures we employ with our Online Banking services. Be sure you use a secure Internet connection and take any precautions you would take when using any online banking service. Also, we recommend that you do not store your password on your mobile device. 

No, Deposit Anywhere is free to members approved for the service. 

Yes, you can see your limits by logging into the St. Mary's Bank mobile app and navigating to the Make a Deposit Tab.

From Make a Deposit, just click on the Information icon in the top right corner:



Personal accounts are limited to 20 items per month, $2,500 per day, with a monthly limit of $20,000. If these limits are exceeded, fees may apply.

Business account limits are determined by your St. Mary's Bank Business Relationship Manager, fees may apply.

Consumers can simply register through our Mobile Banking App (login, select the ‘Deposits’ option, and follow the registration prompts), or complete the online application here. If you have any questions about registering for Deposit Anywhere, contact the Member Contact Center at 1-888-786-2791, or stop by any branch office.

Deposits approved before 5:00 p.m. on the current business day will be credited on the same business day. Deposits approved after 5:00 p.m. will be posted the following business day. Once your deposit has been approved for processing, you will receive an email notification. Funds are made available according to our Funds Availability Policy - refer to your Information Concerning Your Personal Accounts brochure for details.

The system that receives deposits made using Deposit Anywhere is located in the Central Time Zone. Therefore, the time stamp for all deposits made using Deposit Anywhere will indicate Central Time.

You must securely store each original check for a period of sixty (60) days after transmission. After the period of 60 days, you should destroy the original check.

When you open a new account, just let us know you would like to make deposits to the new account via Deposit Anywhere. If it is an existing account, contact us at 1-888-786-2791 and we will be happy to add it for you.

Once your deposit has posted to your account, you may perform a transfer from one account to another within Online or Mobile Banking.

Yes, there are controls in place to help prevent you from depositing a check twice. A reminder message may display indicating that the item scanned has been previously deposited.

You may download your credit card transactions into Quicken.

You may use Just Pay It® to make a payment on any consumer loan (equity line or loan, auto loan, personal loan, home improvement loan, green rate loan, Credit Builder, Credit Builder Plus, overdraft line of credit). This service is not available for mortgage or commercial loan payments.

If your ATM or debit card is lost or stolen, please report it immediately. Prompt reporting will help avoid unauthorized charges to your account. You have two contact options:

1. Call our Debit Card Support Center:

1-877-268-2612
24 hours a day
Seven days a week
Closed Christmas and Thanksgiving

2. Use the online service anytime if you are already signed up for online banking:

Just follow these simple directions:

1. Login to your online banking account
2. Under “Preferences” select the option “Report Lost ATM / Debit Card”
3. On this screen, you will see the ATM/Debit cards linked to your account(s).
4. Check on the card you wish to deactivate and click submit.
5. Once your ATM / Debit card has been reported lost or stolen, a new card will be automatically mailed to you. You should receive your new card within 7-10 business days. There will be a card replacement fee of $10 that will be charged to your account.


PLEASE NOTE: Additional information regarding your rights and responsibilities can be located within your Electronic Funds Transfer (EFT) Disclosure or by contacting our Member Contact Center at 1-888-786-2791.
 

CardNav is an app that allows you to control your St. Mary's Bank debit card from your smartphone.

Learn more about CardNav.

Mail your payment – including remittance coupon to:

St. Mary's Bank
PO Box 720
Manchester, NH 03105-0720

Ensure you include your account number to avoid delays in processing.

Overnight payments can be made. Payments will need to be sent to the following address and members are responsible for the cost of sending payments overnight. Ensure you include your account number to avoid delays in processing.

St. Mary's Bank
Attn: Loan Servicing
48 Perimeter Road
Manchester, NH 03103

 

If you are enrolled in paper statements for your account, your credit card statement will generate as paper - if you are enrolled in eStatements, the credit card statement will default to electronic. 

You may enroll in eStatements for your account via Online Banking. Just log in, click the "eStatements" tab, and accept the Terms and Conditions. An email notification will inform you when your eStatement is ready to view.

You may request to receive your credit card statement separately as paper at no charge by calling Card Support at 1-877-268-2612 or stopping in at any branch location.

Credit card statements are generated on the 24th of every month.

Authorized users can be added by calling the Member Contact Center at 1-888-786-2791. You must provide their name, date of birth, social security number, address, and relationship to the primary account holder.

Transferring a balance is simple. Contact 1-888-786-2791 and provide the payee name, address, account number, and balance you wish to transfer. The minimum transfer amount is $250.00. Transfers cannot be made to Cash, Self, or other St. Mary’s Bank accounts. Each Transfer is subject to a fee of $10 or 4% of the transfer amount unless conducted during the Introductory Period (first 12 months of account opening then there is no fee). Please see Account Terms and Conditions for more details.

 

With all new accounts, PIN mailers are sent within the first few days of receiving your new credit card. PIN Mailers may also be requested anytime by contacting 1-877-268-2612. A PIN is required to have access to cash via any ATM. For your protection, keep your PIN separate from your card at all times and never share your PIN with anyone.

The cash advance limit is 50% of the credit line assigned to the credit card account. The minimum required for a cash advance is $50.00. The fee is either $10.00 or 4% of the total amount of each cash advance, whichever is greater. The ATM withdrawal max per day limit is $600.00. The bank withdrawal max per day on cash advances is $3,000.00

Let us know your travel plans beforehand to ensure access to your credit card is not interrupted. Transactions outside your normal purchasing pattern can be flagged for suspicious activity through our fraud protection services. Benefits of submitting a travel notice: Protects against fraud, helps to ensure card usage is not interrupted, travel with the convenience of using your credit card. To submit a travel notification, please contact St. Mary’s Bank Card Support at 1-877-268-2612.

EMV chip technology (also referred to as smart chips) offer enhanced security against counterfeiting or cloning.  Cards are issued with an embedded microprocessor chip that store and protect cardholder data. All newly issued St. Mary's Bank credit cards are EMV chip-enabled. 

Cardholders should have already received a chip-enabled credit card. If you need a replacement card, you can call Card Support at 1-877-268-2612.

Click here to learn more about EMV chip-enabled cards.

Payments may be made through any of the following options:

• Log in to Online Banking and transfer funds from your deposit account to your credit card account.
• Automatic Payments – Set up a recurring transfer in your Online Banking, or by calling the member contact center at 1-888-786-2791 or completing the Recurring Payment Enrollment form.
• Mail to the remittance address provided on your statement
• Pay by Phone – contact St. Mary’s Bank Member Contact Center 1-888-786-2791 – (fee may apply)
• Automated Telephone Banking – call 1-603-647-1177
• Drop by any St Mary’s Bank branch location
• Pay through St. Mary’s Bank, or another financial institution's Bill Pay
   

Please contact our St. Mary’s Bank Card Support Center at 1-877-268-2612. Card Services is available 24 hours, 7 days a week, 365 days a year. You can also access your Credit Card account via your Online Banking account. Online Banking allows you to update your account, view statements, make a payment, set up alerts, and many other features.

 

To redeem and view your Rewards points, please log in to Online Banking and click on the Rewards tab, or contact our Rewards Center at 1-800-816-3923. Our Rewards Center is available 7 days a week 9:00 AM to 9:00 PM Eastern Standard Time ‐ excluding federal banking holidays and subject to some restrictions.

The St. Mary’s Bank Rewards Program offers a variety of rewards ranging from gift cards, cash back in the form of a statement credit, merchandise, airline tickets, cruise travel, car rental certificates, hotel certificates and charitable giving. Rewards are subject to availability. To view a listing of sample Rewards, click here or log in to your Online Banking account and navigate to the "Rewards" tab.
 

Members are required to complete a new application for a limit increase by calling the Member Contact Center at 1-888-786-2791, visiting a branch or applying online via www.stmarysbank.com. If the credit card account is joint, both owners need to apply (authorized users are not able to request an increase). Only the primary applicant can make a request on business credit cards. Limit increases go into effect within 24-48 hours of approval.

All credit card payments are due on the 21st of the month. The minimum payment amount due is 3% of the balance OR $10.00, whichever is greater.