Personal Banking
At St. Anne’s 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. As an added bonus, enjoy convenience services that make managing your money easier than ever! No matter which account you choose, you’ll receive exceptional value and service from the local institution you’ve come to know and trust.
A free 18/65 savings account with special benefits is available for individuals age 18 and under or 65 and older. For more details on any of our accounts, please call 1-877-STANNES so we can tailor an account to your specific needs.
Basic Checking1
The everyday account for your everyday needs, enjoy the convenience of no minimum balance and no need to keep up with requirements as there are also no monthly service fees. So, go ahead: pay your bills, deposit money however and whenever you like and enjoy a dependable, uncomplicated solution for managing your money. We might call it Basic Checking, but there’s nothing basic about its features and capabilities – with easy online and mobile account access, it just might be all the account you need.
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Student Checking2
As a student, an extra dollar can mean an extra slice of pizza and an extra few minutes could help you get to class on time. That's why our Student Checking account was designed to save students time and money. Enjoy Free ATM’s6 and all the best on-the-go tools for student banking, whether you're on or off-campus. Students face challenges every day, so we make banking while you're in school one less thing to worry about.
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Senior NOW Checking3
If you are 65 years of age or older, enjoy the perks of no service charges - so you can spend your hard-earned money on the things that matter most to you. This account is equipped with additional benefits, including reduced overdraft fees plus money management services that help you keep an eye on your continually growing balance – as this account also offers interest.
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Affinity checking4
This product offers a second chance at a checking account as it is built to help you take control of your financial health. Our knowledgeable team members can assist you on the path to rebuilding your financial life by offering a checking account that provides free money management tools such as online and mobile banking – with no overdraft fees so you are able to build a positive account history and work towards your other financial goals.
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Money Market Accounts
Our Money Market accounts are ideal for those individuals who seek both flexibility and a greater return.
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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!
- Insured by the National Credit Union Association (NCUA) and the Massachusetts Credit Union Share Insurance Corporation (MSIC)7– Protecting your deposits up to $250,000 and beyond.
- Overdraft Protection8 – 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 CashBack 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.
7Visit ncua.gov and msic.org for more information.
8Subject to eligibility requirements.
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