If you are having trouble activating your newly issued STC Check Card, please call our call center at 800-972-1651 or visit any of our STC ATMs.
FAQs for STC CreditCard Access
  1. What is STC CreditCard Access?
  2. What do I need to get started?
  3. What browser settings do I need enabled to use STC CreditCard Access?
  4. I’m having problems logging on. What should I do?
  5. Is it important that I log off from STC CreditCard Access or, can I just close my browser or go to another web site?
  6. Can I make my credit card payment online?
  7. How is my available credit determined?
  8. How do I increase my credit line?
  9. What are outstanding authorizations?
  10. How do I report a lost or stolen card?
  11. How do I sign up?
  12. If I change my US Postal Service mailing address using STC CreditCard Access, will that change my address for all my Somerset Trust Company accounts?
  13. What is my browser cache and why should I clear it?
  14. What is encryption and why do I need it?
  15. Is STC CreditCard Access secure?

Question #1What is STC CreditCard Access?
Answer: STC CreditCard Access is your one-to-one connection to your Somerset Trust Company. You can sign up and get convenient access to your account balances and statements, easily make your payments, or contact us using the secure Customer Service feature.

Question #2What do I need to get started?
Answer: Internet access using an Internet browser, such as Microsoft Internet Explorer or Netscape, enabled for 128-bit encryption with JavaScript enabled. By default, JavaScript is enabled in both Internet Explorer and Netscape. To meet Somerset Trust Company’s high security standards, the following versions of browsers are strongly recommended: Netscape Navigator 3.x, Microsoft Internet Explorer 3.x or later versions with 128-bit encryption.
 
Question #3What browser settings do I need enabled to use STC CreditCard Access?
Answer: Your browser must use 128-bit encryption and have JavaScript enabled.
 
Question #4I’m having problems logging on. What should I do?
Answer: First, make sure you are using the correct name and password. If you still cannot log on, write down any error messages you receive and contact a customer service representative at 1-800-972-1651 during normal business hours, Monday through Friday, 8:00 AM to 5:00 PM and Saturday, 8:00 AM to 12:00 PM Eastern Standard Time.
 
Question #5Is it important that I log off from STC CreditCard Access or, can I just close my browser or go to another web site?
Answer: To ensure your information remains private and secure, it is important to log off when you are finished using the system. Simply click the Log Off option.
 
Question #6: Can I make my credit card payment online?
Answer: Yes, you may make your credit card payment utilizing the Bill Payment feature found under the Account Transactions tab.
 
Question #7How is my available credit determined?
Answer: Your available credit is the amount of credit available that you may use for purchases, cash advances, and balance transfers. It is determined in the following manner:
credit line – (current balance + outstanding authorizations) = available credit
 
Question #8How do I increase my credit line?
Answer: You may request a credit line increase from within STC CreditCard Access or by calling us at 1-800-972-1651 during normal business hours, Monday through Friday, 8:00 AM to 5:00 PM and Saturday, 8:00 AM to 12:00 PM Eastern Standard Time.
 
Question #9What are outstanding authorizations?
Answer: When you present your card or credit card number to a merchant for payment, an authorization is created. This authorization is considered outstanding until the merchant submits the transaction to the bank for posting. When the bank receives the transaction from the merchant, it is posted to your account, subtracted from your outstanding authorization balance, and added to your current credit card balance.
 
Question #10How do I report a lost or stolen card?
Answer: To report a lost or stolen Somerset Trust Company MasterCard or VISA credit card, please contact Customer Service immediately at (800) 556-5678. Be prepared to provide us the following information:
·         Date and time your card was lost or stolen.
·         Location your card was lost or stolen.
·         Last transaction or purchase by you, including the date and amount.
 
Question #11How do I sign up?
Answer: To sign up for STC CreditCard Access, click the “Enroll” button on the Login Screen. Next, enter your card information and personal data as directed. If the enrollment information you entered matches your credit card account information, you will be prompted to enter a password and challenge phrase/answer information. If the enrollment information you entered does not match your credit card account information it will be necessary for you to contact Somerset Trust Company at 1-800-972-1651 to complete your enrollment.
 
Question #12If I change my US Postal Service mailing address using STC CreditCard Access, will that change my address for all my Somerset Trust Company accounts?
Answer: Changing your address on the Change Personal Details page will ONLY change the address for your credit card account at Somerset Trust Company.
 
Question #13What is my browser cache and why should I clear it?
Answer: Caching refers to your browser’s ability to store visited web pages on your hard drive. Caching is helpful because it allows a page to be accessed from your hard drive instead of from an Internet source. This can help you access pages more quickly. However, if your browser retrieves a page from its cache instead of the Internet source, the page displayed may not be the most recent version. It is important to periodically clear your browser’s cache so your browser can retrieve an updated version of a page. It is especially important to clear your cache if you have received an error message and are trying to correct the error. See your browser’s help menu for more information on performing this function.
 
Question #14What is encryption and why do I need it?
Answer: Encryption refers to the practice of scrambling data so unauthorized parties cannot decipher it. It is important that your confidential information remain secure as it is passed to you from STC CreditCard Access. To ensure your information is as secure as possible, we require that your browser use 128-bit encryption. This is the most secure browser technology currently available.
 
Question #15Is STC CreditCard Access secure?
Answer: Our security features and practices include:
·         Strong 128 bit encryption and secure socket layering.
·         Unique name and password access that consist of both letters and numbers.
·         Automatic disconnect or logoff after a period of inactivity.
·         Any information that is sent between you and Somerset Trust Company will be secure during transmission.
·         When possible, please use STC CreditCard Access to contact us about your account.