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Checking Accounts

 checking accountSomerset Trust Company offers checking accounts to fit your needs and lifestyle.

Click here to OPEN a Checking Account

Reorder personal checks


Convenient Checking Account

A checking account that makes life easier
and meets all your banking needs.
  • Only $25 required to open
  • No minimum balance to maintain once account is open
  • No monthly service charge
  • Other fees may apply.
    Complete listing of fees may be found in the Account Fee Schedule.

 Benefits:

  • FREE first order of basic style checks with paper statements
  • OR, FREE basic checks if you choose eStatements
  • Unlimited check writing
  • FREE check images, paper or online
  • FREE STC CheckCard
  • FREE use of all Somerset Trust ATMs 
  • FREE STC OnLine Banking
  • FREE eStatements, go green and save paper
  • Discount on STC personal loan interest rate with an automatic payment from your Convenient Checking account
  • Receive a FREE eco-friendly gift when you go green and paperless with STC OnLine Banking, Online BillPay and eStatements.

Horizon 50 Checking Account

Special benefits and services designed
exclusively for those age 50 and over.

  • No minimum deposit required to open or maintain account
  • To obtain disclosed annual percentage yield, must maintain minimum balance of $1000 in account each day
  • No monthly minimum balance fees
  • Other fees may apply.
    Complete listing of fees may be found in the Account Fee Schedule.

Benefits:

  • FREE checking with interest
  • FREE basic style checks
  • Unlimited check writing
  • FREE check images, paper or online
  • FREE STC CheckCard
  • FREE use of all Somerset Trust ATMs
  • FREE stop payments
  • FREE small safe deposit box, where available
  • FREE money orders
  • FREE STC OnLine Banking
  • FREE eStatements, go green and save paper
  • Discount on STC personal loan interest rate with an automatic payment from your Horizon 50 Checking account
  • Special premium rate CD offers from time to time
  • FREE Fraud and Identity Theft Protection Assistance
  • FREE quarterly newsletter
  • FREE AARP Drivers Safety Program
  • FREE seminars
  • Invitation to annual Customer Appreciation Event

 

Consumer fraud and identity theft are the fastest growing crimes in America. To help you from becoming a victim, a Horizon 50 entitles you to:

  • Free access to shredding machines at our branches,
  • Regular communications regarding fraud issues,
  • Free seminars about how to prevent becoming a victim, and
  • Personal assistance in obtaining a free credit report.

If you should ever be a victim of fraud or identity theft, our bank will assign a personal advocate who will work one-on-one with you. We will help you:

  1. Notify credit bureaus, government agencies, creditors, collectors, etc.,
  2. Make phone calls and prepare documents needed to resolve the situation, and
  3. Create a comprehensive file to assist authorities.

Call our People First Call Center for more information. Speak with a person first (no numbers to press or voice mail), who can answer most questions immediately without transferring your call.

Somerset (814) 443-9200 ♦ Johnstown (814) 262-4800
Toll free 1-800-972-1651


Interest Checking Account

The preferred account for those who want interest on their
checking balance with daily compounding of interest.

  • $500 is required to open account
  • Monthly minimum balance fee only $5 and waived if:
    • You keep $1500 in your account or
    • Maintain an average balance of $2500
  • Other fees may apply.
    Complete listing of fees may be found in the Account Fee Schedule.

Benefits:

  • FREE basic checks
  • Unlimited check writing
  • FREE check images, paper or online
  • FREE STC CheckCard
  • FREE use of all Somerset Trust ATMs
  • FREE STC OnLine Banking
  • FREE eStatements, go green and save paper

Personal Plus Checking Account

The checking account that pays more interest.

  • $1500 required to open
  • To obtain the disclosed annual percentage yield, must maintain minimum balance of $1500. A tiered interest rate structure lets you earn more depending on the balance in account.
  • Monthly minimum balance fee only $5 and waived if:
    • You keep $1500 in your account or
    • Maintain average balance of $2500 in the account
  • Other fees may apply.
    Complete listing of fees may be found in the Account Fee Schedule.

Benefits:

  • FREE first order of basic checks
  • Unlimited check writing
  • FREE check images, paper or online
  • FREE STC CheckCard
  • FREE use of all Somerset Trust ATMs
  • FREE STC OnLine Banking 
  • FREE eStatements, go green and save paper