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Checking

  • 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
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Checking Accounts Built for Everyday Life

Our checking accounts give you easy access to user‑friendly tools and powerful digital banking. Enjoy convenient account management, competitive benefits, and the support of a trusted credit union — all designed to help you stay in control of your finances with less hassle and more peace of mind.

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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 minimum daily balance
  • No monthly fee when you choose eStatements; $2/month for paper statements
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603 Account*

Turn everyday debit card purchases into everyday impact - automatically support NH non-profits you care about.

  • With each debit card purchase, St. Mary's Bank donates $0.0603 to a local NH non-profit.
  • Select your preferred non-profit donation category at account opening.
  • No minimum daily balance
  • No monthly fee when you enroll in eStatements; $2/month for paper statements

Get More Details

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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 ($2 paper statement fee if you opt out)
  • No minimum daily balance
  • Minors (under 18 years old) require a guardian as a joint account owner
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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
  • eStatements - complimentary upon enrollment
  • Monthly service fee waived with daily balances of $1,000 and up
  • Complimentary paper statements with daily balances of $1,000 or more
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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
  •  eStatements - complimentary upon enrollment
  • Monthly service fee waived with combined daily balances of $20,000 (all deposits & loans)
  • Complimentary paper statements with combined daily balances of $20,000 or more
  • Complimentary treasurer's checks and money orders
Young Child Being Pushed in Toy by Father GET500 Video

Pair Your Checking with a Savings Account and Earn $500¹

Open & Deposit: Get $3001

  1. Open a new checking account with offer code GET500.
  2. Open a savings account at the same time.
  3. Setup a recurring direct deposit to your new checking within 90 days ($1,000 minimum)*

Fund & Save: Add $2001

  1. Fund your new savings account with at least $2,0001
  2. Maintain a $2,000 minimum average daily balance for six months
  3. Add a $25 recurring monthly deposit to your savings*
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*Minimum $10 to open a checking account. By applying for a St. Mary's Bank Checking account, you agree to receive a Visa debit card in the mail.  The card is inactive until validated and if not needed, dispose of it per the account instructions provided with the debit card.  See the Electronic Fund Transfer Disclosures included with your card for details.

1. Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 7/22/25. Rates are variable and subject to change at any time. Fees may reduce earnings.

Checking Accounts: A minimum deposit of $10 is required to open a checking account. 
Beyond Savings accounts: A minimum of $10 is required to open. Beyond Savings earns 0.05% APY for all tiers.
Rainy Day Savings Account:  A minimum deposit of $25 is required to open a Rainy Day Savings account. A minimum $25 monthly automatic transfer from a St. Mary's Bank checking or qualified direct deposit is required. One free withdrawal is available per month, and a $2.00 fee for each withdrawal afterward. One Rainy Day Savings allowed per member. Rainy Day Savings earns 7.00% APY for $0.01-$500.99, 5.00% - 7.00% APY for $501-$1000.99, and 0.05% - 7.00% APY for $1,001+.

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All deposit accounts must be in good standing (not in default, closed or suspended) when the bonus is paid. Limit one $300 and/or one $200 bonus per primary member regardless of the number of checking and/or savings accounts opened. Bonus payouts may take up to 30 days to post after all qualifying activities are completed.

$300 Qualifications
Annual Percentage Yield (APY) accurate as of 7/22/25. Deposit rates are variable and subject to change. Fees may reduce earnings. Offer available to individuals opening their first St. Mary’s Bank checking account. If you have been a primary or secondary (joint) holder of a St. Mary’s Bank checking account within the last 90 days, you are not eligible for this offer. 

Open with offer code GET500

  1. Open both a new personal checking account and a personal savings account (excludes CDs and IRAs) at the same time.
  2. Add a recurring direct deposit (at least two) totaling $1,000 or more posted to your CHECKING account within 90 calendar days after the account opening date.
    If the 90th day is not a business day, then these requirements need to be met by the next business day.
  3. Bonus will be deposited to the savings account after qualifying actions are completed.

A Direct deposit is 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, do not qualify as direct deposits. Transfers between your accounts at St. Mary’s Bank or other banks or brokerages also do not count as direct deposits.

$200 Qualifications

  1. Open a new savings account (excludes CDs and IRAs)
  2. Have an active or open a new St. Mary’s Bank checking account
  3. Fund the new savings account with at least $2,000 in new money (funds not currently on deposit with St. Mary’s Bank) within 30 days of account opening.
  4. Establish a monthly recurring deposit of at least $25 within 30 days of account opening and maintain for six consecutive months.
  5. Maintain at least a $2,000 minimum average daily balance for six consecutive months.

2. Early Pay.  If we receive notice from an employer or government agency that your funds are ready, we may post your direct deposit earlier than your “official” scheduled payment day. Subject to originator payroll/funds process and timing. St. Mary’s Bank will not assume liability for not depositing funds to your account early. 

3. Loan Rate Discount.  Available on select loans with automatic payments from a St. Mary’s Bank checking account.