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At St. Anne's, we're committed to making banking easy, convenient, and personalized to your unique financial needs. Explore our diverse checking options, all with a minimal $5 opening requirement and no transaction fees. Plus, enjoy the added convenience of services that simplify your money management. No matter your choice, expect outstanding value and service from a trusted local institution.

Additionally, we offer a free 18/65 savings account with exclusive benefits for those aged 18 and under or 65 and older. For detailed account information, please contact us at 1-877-STANNES, so we can customize an account to fit your specific requirements.


You can have peace of mind knowing that your deposits are fully protected with insurance from both the NCUA and MSIC. To learn more about our deposit insurance, click here.

Convenience Services included with all checking accounts:

  • FREE ATMs5–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 Counting6 – Coin counters are available and can help you save for a rainy day!
  • FREE Statement Savings Account - Makes saving easy!
  • Overdraft Protection7 – 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 account.
2$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 Basic Checking Account.
3$5 minimum to open account. Tax Reporting Owner must be over age 65 to be eligible for this account.
4The 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.
5Other 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.
6Not available in all branches.
7Subject to eligibility requirements.

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