Determine which checking account best fits your needs...

Checking Account Comparison (click on account name for more info and to apply now)
 
Convenient Checking
Student Advantage Checking1
Horizon 502
Interest Checking
 Minimum Balance to Open Account
$25
$25
$0 (in branch) / $25 (online)
 $500
 Balance to Avoid Monthly Minimum Balance Fee
No Minimum Balance requirement after account is opened
No Minimum Balance requirement after account is opened
No Minimum Balance requirement, but a collected balance of $1000 must be maintained in the account each day to receive disclosed APY*.
$1,500 minimum daily balance OR $2,500 average daily balance OR $3,000 average daily balance in a related STC Statement Savings account.
 Monthly Minimum   Balance Fee
$0
$0
$0
$5
 Earns Interest?
No
No
Yes
Yes
 Somerset Trust Company Debit Card & ATM Access
Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
Surcharge-free use of STC's extensive network  of ATMs, including  partner networks, with your Somerset Trust Company debit     card
 STC Online and Mobile Banking Access
Yes
Yes
Yes
Yes
 Unlimited Check Writing
Yes
Yes
Yes
Yes
 Overdraft Protection
Yes, from Overdraft Savings Account or line of credit. Optional Overdraft Service available to eligible accounts ($700 limit).
Yes, from Overdraft Savings Account or line of credit. Optional Overdraft Service available to eligible accounts ($700 limit).
Yes, from Overdraft Savings Account or line of credit. Optional Overdraft Service available to eligible accounts ($1,000 limit).
Yes, from Overdraft Savings Account or line of credit. Optional Overdraft Service available to eligible accounts ($1,000 limit).
 eStatements
Yes - go paperless and receive basic checks at no cost.
Yes
Yes
Yes
 No Fee Money Orders
N/A
Yes
Yes
N/A
 Stop Payment Fee
$25 per item
$25 per item
No Fee
$25 per item
 
  
 
 
 
1 Student Advantage Checking account for individuals in school.
2Special benefits and services designed exclusively for those age 50 and over.
*APY = Annual Percentage Yield