Unlocked something special for you and your circle — earn up to $2501 for every friend you refer, and they’ll get rewarded too.
Share a better banking experience with friends, family, or neighbors that puts people first. When they join St. Mary’s Bank, you both get rewarded — with up to $2501.
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.
Get Paid Early2
Access your eligible direct deposit paycheck up to 2 days before your scheduled payday.
Loan Discount3
Save on select loan rates when you set up automatic payments from your checking account.
No or Low-Fee Checking Options
Choose from accounts designed to minimize fees and maximize value.
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.
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.
Access our library of articles to simplify money management.
Annual Percentage Rate (APY) accurate as of 7/25/25. Deposit rates are variable and subject to change without notice. Fees may reduce earnings.
1. Refer a Friend offers are subject to change without notice. Referred individual must be at least 18 years of age. Cannot be combined with any other offers outside of refer a friend promotion. There is no limit to the number of people an existing member (referrer) can refer. However, a referred person (new member) is eligible to receive only one $50 and/or $200 referral bonus, regardless of how many accounts they open.. By participating in this program, each party may be aware that the other is a St. Mary’s Bank member.
Eligibility: Refer a Friend offers are available to new to St. Mary’s Bank individuals opening their first St. Mary’s Bank checking account. If you have been a primary or joint holder of a St. Mary’s Bank checking account within the last 6 months (180 days), you are not eligible for this bonus.
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, do not qualify as direct deposits. Transfers between accounts at St. Mary’s Bank, or other banks or brokerages also do not count as direct deposits.
Eligible Accounts: Beyond Checking, 603 Account/Checking, Beyond Rewards Checking, Beyond Interest Checking. A minimum deposit of $10 is required to open a St. Mary’s Bank checking account.
$50 BONUS ACTIONS:
(a) new member opens a new St. Mary’s Bank checking account as the primary owner.
(b) Sets up a $500 total recurring monthly direct deposit (2 or more occurrences) within 90 days of account opening
$200 BONUS ACTIONS:
(c) new member funds their new checking account with a minimum of $5,000 of new funds (funds not currently on deposit with St. Mary's Bank) within 30 days of account opening.
(d) new member maintains a $2,000 minimum average daily balance for six consecutive months.
Bonus Requirements for Both Parties:
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.
St. Mary’s Bank is a member-owned credit union. Membership opened to anyone with the purchase of one share of capital stock for $5. Federally insured NCUA. Equal Opportunity Lender.
