As the first credit union in the United States, St. Mary's Bank is proud of its heritage. For over a century, they've been helping New Hampshire residents with a wide range of affordable products and services, including checking accounts, personal loans, real estate loans, business banking, and savvy financial planning. St. Mary's Bank is... show more
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St. Mary's Bank Reviews
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30%
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2.6
20 reviews
20 reviews
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St. Mary's Bank
buffydusty @buffydusty
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1 Star Rating
Set up automatic deposit from SSI. My wife has dementia and was very uncomfortable setting up an account, so they didn't set one up for her. As a result, SSI can't send her check to her. We went back in to have her set up an account, and they said she already declined, so they wouldn't do it. They obviously don't care about people.
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Product: St. Mary's Bank Checking
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St. Mary's Bank
debrapiper @debrapiper
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1 Star Rating
Long-term client with an 800 credit score and very good income. Purchased a car from a Massachusetts dealer, it was like climbing a mountain to get the loan approved. Five days in and about to lose the deal, with no calls returned for two days. I pulled the plug and went to Triangle Credit and had a check the next day. Ridiculous amount of stress for nothing. I am dumping this very discriminatory bank after many years as a good client. Be very cautious if you are an older woman, and sadly not the first incident with this credit union.
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
dave_2268 @dave_2268
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1 Star Rating
I have dealt with many banks and have multiple accounts because I manage several businesses. There is no bank I have ever engaged with that is as frustrating to deal with as St. Mary's Bank. Every year I encounter difficulties completing our taxes because I cannot gain access to my online account. With every other bank I use, everything operates normally and without issues. I have made six phone calls in the past week to try to resolve this year's St. Mary's Bank issue, and I still have no access to my own account!
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
scott_beltramini @scott_beltramini
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1 Star Rating
As a 30-year customer, I am disappointed to see that this bank has reached a new low in customer service. They accept money in deposits, but they are unwilling to make transfers over $5,000. This institution used to be a great bank to work with; sadly, they now seem indifferent to their customers' needs.
Both Sunny and Scott claimed to be supervisors and could not have been more discourteous. Leaving a message for the president will likely go ignored. This is not the bank it once was!
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Product: St. Mary's Bank Savings
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St. Mary's Bank
samuelmillott @samuelmillott
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2 Star Rating
I was due to receive a refund from a trade in and purchase of a new car. Instead of disbursing the funds, SMCU opened a savings account in my name WITHOUT my permission and proceeded to bleed it dru with "fees". Bad people here, just use one of the big banks. They're not petty like these clowns.
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
tfsun1 @tfsun1
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1 Star Rating
What a frightening experience. I’m not sure they have ever given a private sale auto loan. Or are just inept in doing so. 1/2 hour before signing the loan they said we need the seller (lives in Mass) to come in with us. Do think I’m magic. They supplied us with a list of documents required at the signing. All was submitted 5 days prior, approved and signing scheduled. Then some distract managers came up with a new idea. I feel bad for all there members. We are going to DCU with our business
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
Phyllis Wilson @dpwilson
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1 Star Rating
Dont get loan here if you want to pay down loan early. They'll take extra principal payments and just down the next months payment, not reduce principal, thus not decreasing interest. They will blame you for doing it wrong, when its not your fault. They are crediting account wrongfully willfully and on purpose to get max interest from you before you refinance somewhere else that doesnt play games with you like this. it should be illegal but they blame you and thats so common today its accepted yet very unethical and should never be allowed by a bank. I had so much forwarded credit I wouldnt have had a payment for months then i found out their scheme. never took a penny off principal and interest kept getting charged on it.
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
sarinarw @sarinarw
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1 Star Rating
Customer service is terrible at getting back to you. I called them and went to the automatic service that lets you put in your name, telephone number, why you're calling and then they're supposed to call you back. Several days later no call back, so I have to call them again. I called them because my account had been locked after a couple of weeks of being newly opened, and the customer representative just says that something is being verified on my account and they don't have any details. Somebody else is going to have to talk to me. So I wait for this other person to call me back and several days later they do finally, but I was unable to pick up the phone. The voicemail they left me was very generic basically saying to just call them back. I had actually only missed the phone call by like 5 minutes, so I call them back to no answer and have to leave a voicemail for them. I asked if they can give me a bit more information on what is happening with my account and if there is anything I can do in order to solve this problem. Also that if I don't pick up please leave this information in the voicemail. Several days after that I still don't get a phone call but I do get an email from a different person from this bank. They say that my account has been closed and that all my money should be transferred to my originating financial account. They say it's closed due to some sort of lack of identity verification. Well, I was never told of any problems around this or I would have gladly tried to solve this issue, however they decided to just close my account. At this point, it's been such a pain dealing with them, that it's whatever - I just want my money back. It's been two weeks now since I got the email saying my account was closed however I still have yet to see the funds arrive in my account. Once again I'm going to have to reach out to them for their terrible process. This whole system is terrible and such a waste of time. I spent a lot of time signing up and sending proof of my identity multiple times and calling customer service multiple times, and in the end they just decide to close my account without any sort of notification. Then they can't even get the funds from that closed account to me in a timely manner. This has been my worst experience with any financial institution so far. I have several credit Union accounts as well as brokerage accounts ranging from big names to no names, and nothing has compared to how terrible this bank is, even with just transferring money, which is what a bank is supposed to excel at. I will never recommend this bank to anyone. The high savings rate of the rainy day fund is not worth the hassle of having your money basically locked away with them. If I needed the $1K still in my closed account for any emergency, I would have been screwed, as it has been out of my hands for a full month now.
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Product: St. Mary's Bank Business Services
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St. Mary's Bank
Gary Densmore @ivoryandfox
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5 Star Rating
Verified Customer
Excellent institution with fair rates and loan opportunities. Customer service is also very good and helpful in service questions.
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
jeciwyn @jeciwyn
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1 Star Rating
Horrible. Their customer service is atrocious. I was on the phone with them the other day to get some check images sent to me. They said they would email them and they never did. They also don't have Apple Pay and other really basic features of banks these days. So they're campy? Fine. But then you try and get them to treat you like a small town bank, and NOT A CHANCE. I have been a customer for 10 years (this is not the first time I decided to leave, but they are so close to my house so last time I stayed..this time I won't), I am currently pregnant and high risk--which means that I had to quite my full time job, and am piecing it together also a full time grad student, and have another daughter. I have a lot going on, but I am making it work. The company I work for takes 6 weeks to pay, and there's a lot of up-front costs associated with the job......long story short, I am not asking for much but a little understanding and they threw the hammer at me, and made me cry while doing it. They were so cruel I could feel my belly like reeling from the conversation. I am sickened right now by the level of customer service, and anonymity-when-it-suits-them-and-only-them that I get treated with here. I definitely will not be returning....
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Product: St. Mary's Bank Checking
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St. Mary's Bank
surber0909 @surber0909
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2 Star Rating
I've been a member for about 8 years. Always have excellent service when I do my banking. But I must say, the online banking is another story. For whatever reason there have been several times I've not been able to login to my account online. This is not acceptable since I rely on the computer at the public library. Very inconvenient.
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Product: St. Mary's Bank Checking
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St. Mary's Bank
_lare_morin @_lare_morin
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1 Star Rating
I have had a mortgage with st Mary's bank for more than 10 years with no issues. When they updated their systems my accounts got screwed up and they lost my payments. As a result of their processing errors my credit has been adversely affected. I had sent written requests, emails and phone calls but they never responded to my requests. After 6 months of consistently contacting they finally admitted the processing errors and would fix my accounts. Wel I am still waiting. Very poor customer service and bad business. This ordeal has been a horror show. I would recommend not doing business, banking or loans with this institution.
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Product: St. Mary's Bank Mortgages
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St. Mary's Bank
Tim Sullivan @tsul25
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4 Star Rating
Overall, my experience with St. Mary's Bank has been satisfactory. I primarily use the bank for the purposes of a checking account and debit card. I do not have any complaints with how they handle my money, but I do have a couple minor grievances. I find their hours to be slightly inconvenient as they often close early in the day, and I think they should improve their iOS app to allow mobile check deposits like many other banks do. Despite these points, I would still recommend this bank based on my experience with them.
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Product: St. Mary's Bank Checking
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St. Mary's Bank
Rodney Warfied @RWarfield
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5 Star Rating
I have always been served by big banks with the idea that I would be better served because of their size and geographic availability -- after opening an account with St. Mary's I regret that thinking. I first came to St. Mary's because I had a car loan from the dealership with a miserable rate -- it had been an arduous process getting the loan, and the rate was over 9.9 percent, but the dealership had offered me a cash back reward for taking their financing. After paying it for several months I began looking into getting a bank loan, and on a whim looked at St. Mary's. The rates seemed good, so I went into the main branch on McGregor Street and left half an hour later with a rate of about one-third what the dealership gave me -- and one year less. The experience was the opposite of getting the car loan at the dealership -- relaxed, friendly and easy to handle with the information that I had walked into the branch with.
I had always been intimidated talking to bank personnel with the big banks I had used previously, but the loan officer was friendly and responsive to even my dumbest questions. Several months later when it turned out that I would be leaving the New Hampshire area, I was able to pick up the phone and talk to her about my move and she reassured me it would be no problem -- I was just impressed that I had gotten a person on the phone and she even seemed to remember me. I continued to do my banking and keep my car loan with St. Mary's and have never regretted it -- they are helpful and responsive by phone, email and regular mail. After an inquiry via email about whether I could make a deposit through the mail without deposit slips (I was told you can) I received an envelope full of deposit slips several days later -- unsolicited.
St. Mary's is the only credit union I've ever banked with, but I would be confident to recommend them over any regular bank, particularly the big national banks.
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Product: St. Mary's Bank Car Loans
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St. Mary's Bank
Hope Fennell @Hopiwan
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5 Star Rating
St. Mary’s Bank is the oldest credit union in the country. They really care about their customers. Their tellers are more than willing to take the time to discuss and resolve problems personally and in a timely manner. They do not treat you like another account but as a real person who they want to keep as a customer for a long time. They are professional and friendly and the location is convenient if you live in the New Hampshire area. I have had bad bank experiences with large institutions and I find St. Mary’s a breath of fresh air in the current financial environment.
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Product: St. Mary's Bank Checking
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The first $200 from your check deposit is available immediately. The rest of the amount is available on the first business day after the deposit is received. For ATM check deposits, the rest of the amount is available on the second business day after the day of the deposit.
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