skip to main content

Download the St Mary’s Bank app on Google Play.

Dismiss

FAQ's

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.
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.
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.
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.
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.
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.