financial wellness at work

Financial Wellness@Work

Financial Wellness at Work is a comprehensive package of education and benefits that can improve your financial wellbeing.

Earn up to $500*1 when you open your new accounts.
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Your Local Banking Advantage

At St. Mary’s Bank, you don’t just get smart digital tools, competitive rates and low fees — you get real people who live and work in your neighborhoods. And right now, you can earn up to $500 just for opening new accounts.

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Bank Better & Earn up to $500

Open with offer code: FWW

Get $300*1 when you...

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

Add $200*1 when you...

  1. Fund your new savings account with at least $2,000
  2. Maintain a $2,000 minimum average daily balance for six months
  3. Add a $25 recurring deposit to your savings*1 for six months
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Take Advantage of Your Benefits

early pay benefit

Early Pay

Access to your eligible payroll direct deposit up to 2 days early4

Health Savings Account (HSA)

Set aside money on a pre-tax basis to pay for qualified medical expenses. Our Health Savings Account moves with you through job or insurer switches. Unused balances automatically roll over.
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You’re not just opening an account. You’re choosing a partner who puts you first.

Tired of feeling like just a number? At St. Mary’s Bank, you’ll find more than competitive rates and smart digital tools—you’ll find real people who know your name and care about your goals. This is banking built around you.

referral bonus

Referral Bonus!

Refer St. Mary’s Bank to friends and family, and you’ll both get up to $250 when they open a new checking account with qualifying actions.
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The Digital Tools You Need Now

St. Mary's Bank Five-star mobile app login

Get a five-star rated mobile app

Secure 24/7 access and control over your accounts in one place, monitor your credit, remotely deposit checks quickly, pay bills in one place, access finance tools, alerts and more.

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Access your credit dashboard

Get free and easy access to your credit score, full credit report, credit monitoring, financial tips, and more. Access My Credit Dashboard in online/mobile banking.

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Financial wellness

Access our library of articles to simplify money management.

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Virtual Financial Planning Seminars

Attend free virtual seminars to help you retire or invest smarter.5

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Open Your Account

Banking that knows you.

Whether you're looking to grow your savings, simplify your finances, or get trusted guidance along the way, St. Mary’s Bank is here for you. As your local credit union, we’re committed to helping you feel confident in every money decision—with personalized service and a team that truly knows you.

95,000+ Members | 13 Locations

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*Use or mention offer code FWW. 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, 5.00% - 7.00% APY for $501-$1000, 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.

1. $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 FWW

  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. $300 Off Mortgage Closing Costs: Offer subject to change without notice. Use or mention offer code FWW to take advantage of the $300 rebate.

Offer Valid for Home Buyers who apply and close their loan with St. Mary’s Bank. and open both a personal checking account and a personal savings account with direct deposit or existing relationship that meets the above criteria. $300 rebate will be deposited into the borrower’s St. Mary’s Bank savings account within 30 days after the loan closes. Rebate offer void without a St. Mary’s Bank checking and savings account with direct deposit to receive the deposit. Limit one rebate per loan. Valid only for purchase of New Hampshire, Maine or Massachusetts residential 1-4 family owner-occupied properties. Mortgage rates are based upon various assumptions and conditions which include a consumer credit score, which may be higher or lower than your individual credit score. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and credit profile up to the time of closing.

3. Safe Deposit Box: Use or mention offer code FWW. Offer subject to change without notice. Annual fees range from $25 to $140 based on size. Federally insured by NCUA.

4. 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.

5. Financial Education: These workshops are educational only and not investment advice. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. St. Mary's Bank and St. Mary’s Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using St. Mary’s Financial Services, and may also be employees of St. Mary’s Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, St. Mary’s Bank or St. Mary’s Financial Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government AgencyNot Credit Union GuaranteedNot Credit Union Deposits or ObligationsMay Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Securities offered through LPL Financial (LPL), a registered broker-dealer, member FINRA/SIPC. Investment Advisor Representatives conducting business as St. Mary’s Financial Services offer investment advisory services through LPL, a registered investment advisor. St. Mary’s Bank and St. Mary’s Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using St. Mary’s Financial Services and may also be employees of St. Mary’s Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, St. Mary’s Bank or St. Mary’s Financial Services. Securities and insurance offered through LPL or its affiliates are:

St. Mary’s Bank is a member-owned credit union. Membership is opened to anyone with the purchase of one share of capital stock for $5.