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At St. Anne’s Credit Union we believe banking should be easy, convenient, and tailored to your personal and financial needs – and that's why we offer several different checking options-all with just $5 minimum to open an account and no per transaction fees. No matter which you choose, you’ll receive exceptional value and service from the local institution you’ve come to know and trust.

When it comes to checking, value and convenience are the bottom line. We offer a full range of both personal and business checking accounts, along with convenience services that make managing your money easier than ever!

Convenience Services included with all checking accounts:

  • FREE ATMs6–You can use your St. Anne’s debit card at virtually any ATM for FREE. We will reimburse your ATM fees up to $10 monthly (available only on the Basic, Student, and Affinity accounts) on any foreign ATM. Additionally, we partner with the SUM® ATM Network (a group of community banks and credit unions that provide free access to ATMs throughout the U.S.). All St. Anne’s debit Mastercards are automatically part of the SUM network which allows you easy access to your cash by offering thousands of ATMs with no ATM service fees or surcharges. Find SUM ATMs wherever you are with the SUM Mobile ATM locator app free for iPhone® and Android™.
  • FREE Coin Counting7 – Coin counters are available and can help you save for a rainy day!
  • FREE Statement Savings Account - Makes saving easy!
  • Insured by the National Credit Union Association (NCUA) and the Massachusetts Credit Union Share Insurance Corporation (MSIC)8– Protecting your deposits up to $250,000 and beyond.
  • Overdraft Protection9 – To help you manage your account balances and avoid account overages, you can link accounts so funds are transferred automatically. Speak with a representative to find the solution that’s right for you.

1$5 minimum to open an account. To be eligible for the CashBack Checking account, you must receive your monthly statement electronically (herein referred to as "eStatement") and have a valid e-mail address. If you cancel your eStatement, the CashBack Checking account will automatically convert to the Basic Checking Account. A monthly service charge may be assessed. Please refer to the separate fee schedule provided to you for information about fees and charges associated with our accounts. To meet the CashBack Checking requirements, you must have twenty (20) St. Anne’s Mastercard debit card (point-of-sale or PIN-based) transactions posted to your account during a statement cycle. ATM withdrawals, deposits, or account balance inquiries using the Mastercard debit card are excluded from this program. When the CashBack Checking requirements are met, you will earn $5.00 a month (rewards credit) per account. This will be deposited monthly by St. Anne’s into the CashBack Checking Account. Rewards credits are subject to IRS reporting.
2$5 minimum to open account.
3$5 minimum to open account. To be eligible for the Student Checking account, you must be a student between the ages of 17-24. Upon reaching your twenty-fifth birthday, your account will automatically be converted to a CashBack Checking Account.
4$5 minimum to open account. Tax Reporting Owner must be over age 65 to be eligible for this account.
5The Affinity Checking Account offers a monthly reimbursement for ATM surcharges up to $10/month. This refund will be deposited monthly by St. Anne’s into the Affinity Checking Account. Surcharge reimbursements are subject to IRS reporting. There is a minimum deposit of $5.00 to open this account and you may make unlimited deposits. This type of account is eligible for a MasterMoney debit card. Transfer services through telephone banking or online banking are allowed and ACH debits are also accepted. The Affinity Checking account is not eligible for the discretionary Overdraft Privilege program and there will be no overdraft fees associated. St. Anne’s will not pay transactions that result in an overdraft. We do not authorize and pay overdrafts on ATM or everyday debit card transactions for the Affinity Checking account. We will process share drafts/checks and other debit items in the order identified in your Truth In Savings disclosure. Please refer to our Funds Availability Policy Disclosures regarding the availability of funds in your account.

6Other institutions may impose a fee for the use of their ATMs if not part of the SUM ATM network. Refunds are automatically posted to your checking account at the end of the month. For example, if you withdraw $200 from your checking account at an out-of-network ATM, that bank will charge a fee to your checking account. St. Anne’s will refund up to $10 in fees monthly as a credit to your checking account, at the end of the month. Student Checking, Basic Checking, and Affinity Checking accounts are eligible for surcharge refunds. Surcharge refunds are subject to IRS reporting.
7Not available in all branches.
8Visit ncua.gov and msic.org for more information.
9Subject to eligibility requirements.

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