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Frequently Asked Questions | FAQ's

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. 
You may download your credit card transactions into Quicken.
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 3% of the transfer amount, whichever is greater. Please see Account Terms and Conditions for more details.

You may also use our online banking Credit Card Balance Transfer Form. There are two options through online banking. Begin by logging into your online banking and following one of the below steps from the online banking dashboard.

First option:
  • Navigate to Tools & More on the menu items at the top of the dashboard page. Select the Member Forms option. Then select Credit Card Balance Transfer. Fill out the form and then submit.
Second option:
  • Navigate to Move Money on the menu items at the top of the dasbhoard page. Select the Credit Card Balance Transfer option. Fill out the form and then submit.

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 you may submit through online banking or by contacting St. Mary’s Bank Card Support at 1-877-268-2612.

In order to submit a travel notification through online banking, login to your online banking and follow these steps:
  • Navigate to Tools & More on the menu items at the top of the dashboard page. Select Message Center.
  • Once in the Message Center, select Compose.
  • A panel stating New Message will appear. Select the drop down menu under Subject and select Travel Notification. Fill out this form and then press Send Message.

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 Card Rewards widget 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 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 $30.00, whichever is greater.

If you know your current PIN, you can change your credit card PIN at any of St. Mary's Bank's ATMs. The only way a member can get a new PIN is by receiving a PIN Mailer.

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
  • Make a payment using an external account through Pay Now.