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Frequently Asked Questions

We get it - finances can be tricky! Here are the top questions we get. Still need answers? Give us a call.
How do I request copies of my tax forms (1099s, 1098s)?
We are required to mail tax forms to your physical address by January 31. Please contact our Member Contact Center at (888) 786-2791 to request copy of your tax form. If you are enrolled in estatements, you can receive a digital copy of your tax forms.
What payment options are available?
Check out our Consumer Loan Payment page for your options at https://www.stmarysbank.com/pay-my-loan/pay-consumer-loan.
Where can I find my member number in Online Banking?
Hover over “Tool & More” > click on “Settings” > Member Number is under Profile Information section.
How do I report identity theft and fraud?
If you feel your account and/or ID has been compromised take the following steps listed here https://www.stmarysbank.com/learn/security/id-theft-prevention---response .
What is the difference between my member number and Account Number?
Your member number is used to identify your overall relationship with St. Mary's Bank. Your account number is used to identify a specific account within your relationship. Account Number can be found under Account Details in your Online Banking.
I'm a new member, how do I set up Online Banking?
Click on Login on the top right of our website, and then click on "Register a new account". You will need member number, social security number, email address listed on file, and either date of birth or zip code on file.
What is the grace period to make changes to my CD/IRA when it matures?
After your CD/IRA matures, you have a 10-calendar day grace period to make changes to your account.
How should St. Mary's Bank be listed on the homeowners insurance?
The correct wording is as follows: St. Mary's Bank, Its Successors and/or Its Assigns, As Their Interest May Appear, c/o Loan Servicing, 48 Perimeter Road, Manchester, NH 03103
How can I enroll into eStatements?
You can enroll in eStatements for your account via Online Banking by clicking on the "eStatements" tab, and accept the Terms and Conditions. Please note that only primary account owner can see the statement.
I have linked an external account, why can I not use it for transactions?
Adding an external account for viewing allows you to view transactions. If you would like to transact on the external account, you will need to add the account via the Transfer icon, go to More Action, and select "Mannual Add an External Account" after clicking on Add Account.
What should I do if my card is stolen or if I see an unauthorized trasaction?
You can block your card immediately and order a new card through Card Management in your Online Banking. Please reach out to  our Member Contact Center at (888) 786-2791 or our Card Support Center at (877) 286-2612 for further assistance. 
I have my vehicle financed with another bank. Can I refinance with you?
Yes, you may refinance your car loan through St. Mary's Bank. Receive a 0.10% discount off your interest rate when you register for Automatic Funds Transfer (AFT) from your St. Mary's Beyond Checking Account. Visit our Consumer Loan Rates page to see the latest rates https://www.stmarysbank.com/rates/consumer-loan-rates. 
What is the overnight mailing address for payment?
Overnight Mail (FedEx, UPS, USPS Priority): St. Mary's Bank, Attn: Loan Servicing, 48 Perimeter Road, Manchester, NH 03103
Regular Mail: St. Mary's Bank, Attn: Loan Servicing, PO Box 720, Manchester, NH 03105-0720
How do I check the status of a recent loan application?
To check the status of a consumer loan (home equity, credit card, personal loan, or vehicle loan) in progress, visit https://app.consumer.meridianlink.com/cu/ViewSubmittedLoans.aspx?lenderref=STMARYBANK071019&_gl=1*vrgzig*_ga*MTg3NTcwODk2OS4xNzAyMDQ0NDMy*_ga_SMQ93QVYZ3*MTcxMjE0Nzg5Ni4xOTAuMS4xNzEyMTQ5NjEzLjUyLjAuMA..*_gcl_au*NTYxMjYxNzc1LjE3MDk4NDYzNDY
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.
How do I reorder checks?
You can order checks through online banking.
What are the Bill Pay limits?
Consumer: - $1,900 per transactions / $3,800 per day when using the payee's routing and account number at their financial institution - $2,500 per transaction when using the payee's email address to send a person to person payment - Payments to business are $25,000 > Business: - $2,500 per transaction, per day - $400 per transactions / $800 per day to send a person to person payment - Payments to businesses are $25,000 - Note: This is an institutional limit and therefore cannot be changed per member. If a higher limit is needed, consider sending payments over multiple days. 
How do I transfer a balance to my St. Mary's Bank Credit Card?
You can submit a balance transfer request through your Online Banking under Member Forms (under Tools & More). Or reach out to our Member Contact Center at (888) 786-2791 to start the process.
How do I redeem and view my Reward Points?
You can redeem Reward Points through Card Rewards in your Online Banking. Or reach out to our Rewards Center at (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.
Can I apply for a credit line increase?
Members are required to complete a new application for a limit increase by calling the Member Contact Center at (888) 786-2791, visiting a branch or applying online via online banking. 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.
How do I change my address?
To change your address within online banking, navigate to settings and then select the contact tab. Click on the pencil icon to edit your address. You may also visit any branch office, call our Member Contact Center at (888) 786-2791, or send us a secure message through online banking. You can also mail your request to:  - St. Mary's Bank Member Contact Center - PO Box 990  - Manchester, NH 03105-0990.
I have an international phone number. Can it be used?
While an international phone number cannot be used, the alternative is to use an authenticator application like Google Authenticator.
How to place a stop payment on check?
You can stop payment on a check through online banking, by calling our 24-hour automated telephone banking at (603) 647-1177, or by calling our Member Contact Center toll-free at (888) 786-2791. A verbal stop payment on your account will be accepted by telephone, but you must sign and return a stop payment form, which you can pick up at any branch, within 14 calendar days of making the verbal request. The stop payment will be deleted from the system if the stop payment form is not signed and returned within 14 calendar days. A processing fee for each stop payment will be automatically deducted from your account. An accurate and complete stop payment is guaranteed after a 24-hour waiting period.
Can I make additional payments to loan principal or interest?
Yes. Please visit a local branch or reach out to our Member Contact Center at (888) 786-2791 for special processing.
How do I change my debit/credit card PIN?
You can reset your card PIN through the Card Management function in your Online Banking. You can also contact our Member Contact Center at (888) 786-2791 to request a new PIN through mail, or visit any branch location.
What are the External Transfer limits?
Consumer Online Banking: - Daily cumulative transfer limit (up to or equal to $5,000) - Weekly cumulative transfer limit (up to or equal to $5,000) - Monthly transfer limits (up to or equal to $25,000) - Limits cannot be changed for any member > Basic Business and Business Cash Management Online Banking: - Daily cumulative transfer limit (up to or equal to $10,000) - Weekly cumulative transfer limit (up to or equal to $10,000) - Monthly transfer limits (up to or equal to $100,000).
What is my Cash Advance/ATM limit and are there fees for a Cash Advance?
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.
What should I do if I cannot access my Online Banking?
Please contact the Member Contact Center at (888) 786-2791 for assistance.
Closing Account
In order to close an account, you must be the account owner or Power of Attorney on the account, and the total value of the account, including cash and investments, must be $0. An account may also be closed by completing a Transfer of Assets out of St. Mary's Bank. Please call our Member Contact Center for more information at 888-786-2791. 
Do you offer Overdraft protection or Payment Privilege?
You can find our Overdraft Protection and Payment Privilege information on the Overdraft Programs page at https://www.stmarysbank.com/account-support/overdraft-programs.
Do I need to notify St. Mary's Bank of my travel plan if I need to use my debit/credit card?
You can notify us by submitting a secure message through your Online Banking or notify our Member Contact Center at (888) 786-2791.