Checking Account Comparison

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*.	No Minimum Balance requirement after account is opened
Monthly Minimum   Balance Fee	$0	$0	$0	$0
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
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