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 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.

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
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FAQs

View all FAQs here
What do I need to make my payment with an external account?
To pay with an external account, you’ll need your member number, first name, last name, the last four digits of your Social Security number and your date of birth. You will also need to provide an email address for payment confirmation.
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.
Where can I learn more about credit unions?

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