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  • Early pay with direct deposit2
  • 30,000+ fee-free CO-OP/SUM ATM locations
  • Loan rate discounts with automatic payments3
  • Just $10 to open your new checking account

Checking Account Options

Our checking accounts provide intuitive, user-friendly tools and features that make handling your finances a snap. With 24/7 access to your accounts, you'll have more time to focus on what matters most.

Beyond Checking

Simplify everyday finances with an account that supports your lifestyle. No monthly service fee means more cash to spend on the things you want.

  • No monthly service fee
  • No minimum daily balance
  • $2 paper statement fee waived with eStatement enrollment

603 Account

Use the card to make everyday purchases and support causes you care about without any cost or effort.

  • With each debit card purchase, St. Mary's Bank donates $0.0603 to a local non-profit
  • No monthly service fee
  • No minimum daily balance
  • $2 paper statement fee waived with eStatement enrollment

Student Checking

Empower teens to take control of their financial futures without worrying about minimum balance requirements.

  • For students aged 13 to 25
  • No monthly service fee with eStatements
  • No minimum daily balance
  • One free stop-payment or ATM surcharge
  • Minors must have a guardian as joint account owner

*Must be 18 or older to apply online - under 18, please visit a branch. $2 paper statement fee if you opt out of eStatements.

Beyond Interest

Let your high balance work harder for you - at no additional cost. Earn interest on your account and avoid monthly fees when you maintain a balance of $1,000 or more.

  • Premier checking account with competitive interest rates
  • No monthly service fee with daily balances of $1,000 and up
  • Free paper statements and eStatements

Beyond Rewards

Pair your Beyond Rewards Savings account with a Beyond Rewards Checking account to access competitive rates and benefits.

  • Premier checking account with competitive interest rates
  • $15 monthly service fee waived with daily balances of $20,000 combined deposits & loans
  • Free paper statements and eStatements

Open a Checking Account

Ready to finish or check the status of your application? Click here.

Don't have online banking yet? Enroll now or visit a branch.

Student Checking Offer

Open your new Student Checking1 account and take home a warm towel2. Add a qualifying direct deposit of at least $100 and get a cool $1003 deposit.

Mention offer code COOL100 when opening your account.

Did you know?

You can get your paycheck up to 2 days early with direct deposit.

Pair Your Checking with a Rainy Day Savings Account

  • Achieve savings goals faster with high-yield interest rates
  • Build an emergency savings cushion
  • Enjoy one free withdrawal each month
  • Minimum monthly automatic deposit of just $25
Who is eligible to join St. Mary's Bank?
Membership is open to anyone with the purchase of one share of capital stock for $5.
Can I add my St. Mary's Bank cards to my mobile wallet?
Yes, all St. Mary’s Bank cards are compatible with wallet pay or mobile wallets.
What is St. Mary's routing/ABA number?
St. Mary's routing number (also known as the Transit or ABA number) is 011400149.
What is Payment Privilege?
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, ACH and other transactions made using your checking account number or 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.

1. Student Checking Account: Available to ages 13–25. Adult cosigner required if under age 18. Minimum $10 to open a checking account. eStatement-only account — $2 monthly fee for paper statement.

2. $100 Bill Towel: Offer valid for new student checking accounts opened July 1 through August 31, 2024, or while supplies last. Limit one towel per account. St. Mary’s Bank reserves the right to substitute gift of similar value. Gift must be picked up at a St. Mary’s Bank branch.

3. $100 deposit: New student checking account must be opened July 1 through August 31, 2024, with offer code COOL100, and post qualifying direct deposits totaling at least $100 within 60 days of account opening. A direct deposit is a recurring income electronically deposited into your St. Mary’s Bank checking account by an employer or other organization. It may include salary, pension, government benefits, or other eligible regular income. Certain money transfers, such as person-to-person payments and payments made with apps such as Zelle®, PayPal, or Venmo, as well as transfers between your accounts at St. Mary’s Bank or other banks or brokerages also do not qualify as direct deposits. Account must be in good standing at time of payout. Offer subject to change without notice.

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