OnLine Banking FAQ's

STC OnLine Banking
1. Will I be able to access my accounts as soon as I register?
2. What is a Secure Access Code?
3. Why do I have to enter a Secure Access Code every time I login?
4. Do I need to "activate my computer for later use?"
5. What are Cookies?
6. Is the Internet safe and secure for online banking?
7. How can I change my password or login ID?
8. Is there anything I need to do to continue using Quicken or QuickBooks?
9. Can I still use my GoID with the new OnLine Banking?
10. How do I sign up for eStatements?
11. How do I make a loan payment using STC OnLine Banking?
12. If one of my Scheduled Transfers fails to process will you notify me?
13. Who can I make a Person to Person Transfers to?
14. I made an External Transfer to my account at another bank. When can I expect to see this deposit?
15. I'm still having trouble with STC OnLine Banking, and I didn't find the answer to my question in this FAQ. Who can I contact for help?

STC Mobile Banking
1. Do I have to be enrolled in online banking before I can use mobile banking?
2. Do I need a login ID and password to use mobile banking?
3. Is STC Mobile Banking and Deposit free?
4. Is mobile banking supported on my phone?
5. Is STC Mobile Banking secure?
6. Can I pay bills using mobile banking?
7. I'm a business customer, can I use STC Mobile Banking and mobile BillPay?
8. Can I do "text" banking

STC Mobile Deposit
1. What is Mobile Deposit?
2. Is there a bank fee to deposit my check using my smartphone?
3. Are my checks deposited immediately? When will I see the deposit in my account?
4. When are the funds available for me to use?
5. Should I keep the check after I make the deposit?
6. Should I endorse my check?
7. I'm still having trouble with STC Mobile Banking and/or Deposit, and I didn't find the answer to my question in this FAQ. Who can I contact for help?

STC OnLine Banking

1. Will I be able to access my accounts as soon as I register?
No. For security reasons, you will need a username and password in order to access the online banking system. You will be notified via email when your online banking account is available to use, typically within two business days. You will select your password during the first-time login process.

2. What is a Secure Access Code?
When you login for the first time, you will be prompted to receive a Secure Access Code. A Secure Access Code is a one-time use code that allows you to securely Login to our online banking system and is delivered to you via e-mail, phone or SMS text. You will also need a Secure Access Code if you delete your security certificate or "cookie" that we've stored on your computer, or if you login from a computer that was not registered for repeated use.

3. Why do I have to enter a Secure Access Code every time I login?
If you delete system cookies, whether manually or through an automated process, the activation will be erased and you'll have to use a Secure Access Code each time you login. You can make changes to your cookie settings through your browser. See the help section of your browser to learn more.

4. Do I need to "acivate this computer for later use?"
Choosing to "activate this computer for later use" authorizes us to store a security certificate on your computer which will speed up the verification process in the future , and eliminate the need to use a Secure Access Code on each login. If you delete system cookies, whether manually or through automated process, the activation will be erased and you'll have to use a Secure Access Code each time you login.

5. What are Cookies?
A small flat or slightly raised cake, generally sweet – chewy chocolate chip are the best!
In regards to the Internet, cookies are small text files on your system, used for keeping track of settings or data for a particular web site. Because the web servers that receive your requests for web pages have no way of knowing specifically who is making a request, they have no way of storing settings for specific users or changing the page they send based on choices a user has made on another page.

6. Is the Internet safe and secure for online banking?
Yes. We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all communications. This is currently the highest level of security available for Internet transactions.

7. How can I change my password or login ID?

  • Under Preferences, click on "Security"
  • For passwords, click on the Password tab. Enter the old password and the new password as noted and click on "Submit Password Changes."
  • For Login IDs, click on the Login ID tab enter the new ID and click on "Submit Login ID change."

8. Is there anything I need to do to continue using Quicken or QuickBooks?
Yes. You will need to modify your Quicken and/or QuickBooks settings to ensure the smooth transition of your data. Click on the link for detailed Quicken & Quickbooks Conversion Instructions.

9. Can I still use my GoID with the new OnLine Banking?
No. With the updated technology and security of this new system, you will have the capability to register your browser if you desire. If you choose not to register the browser, you can elect to receive a secure access code, via email, voice, or text message each time you log in – just like with the GoID token.

10. How do I sign up for eStatements?
Log into your STC OnLine Banking and select Delivery located under the Preferences tab. Then follow the detailed instructions on the Delivery Preferences page.

11. How do I make a loan payment using STC OnLine Banking?
You can make a payment to your Somerset Trust loans by clicking on Funds Transfer under Transactions on the left hand side of your online banking.

12. If one of my Scheduled Transfers fails to process will you notify me?
No. We will not automatically send you a notification if one of your Scheduled Transfers fails to process. Failed transfers will be listed under Online Activity in your online banking. If you would like to be notified when this occurs we recommend setting up a Transaction Alert.

13. Who can I make a Person to Person Transfers to?
You can make Person to Person transfers to other STC Online Banking users. You may choose to make a single transfer to another person or link another person's account (for deposit only).

14. I made an External Transfer to my account at another bank. When can I expect to see this deposit?
On average these transactions will be available within 2-3 business days.

15. I'm still having trouble with STC OnLine Banking, and I didn't find the answer to my question in this FAQ. Who can I contact for help?
Call our People First Call Center at (800) 972-1651 or email custserv@somersettrust.com.

STC Mobile Banking

1. Do I have to be enrolled in online banking before I can use mobile banking?
Yes. You must be an online banking customer to use mobile banking. You can enable yourself for mobile banking by clicking on Mobile under Preferences on the bottom left of your online banking.

2. Do I need a login ID and password to use mobile banking?
You will use the same user ID and password you use to access online banking.

3. Is STC Mobile Banking and Deposit FREE?
Yes. Mobile banking is free for customers with eligible account ownership. We advise you to check your wireless phone service plan as your provider may assess data access fees.

4. Is mobile banking supported on my phone?
The STC Mobile Banking App is available on iPhone and Andriod devices 4.0 and above. It is also available on most web enabled phones via the mobile phone browser at: https://olb.somersettrust.com/SomersetTrustCompanyMobile/Default.aspx

5. Is STC Mobile Banking secure?
Yes. Mobile banking uses best practices from online banking, such as:

  • ‘https’ with 128-bit SSL encryption
  • access with a user ID and password
  • registration of your mobile device
  • one time secure access code delivered via email, text, or voice
  • time-out when your phone is not in use.
  • Mobile banking does not store account data on your phone.

6. Can I pay bills using mobile banking?
Yes, You can make payments to payees you have previously set up within your online banking BillPay.

7. I'm a business customer, can I use STC Mobile Banking and mobile BillPay?
Yes. Both of these features will be available for all of our online banking customers. Including businesses!

8. Can I do "text" banking?
No. STC Mobile Banking is not available for text banking or messaging.

STC Mobile Deposit

1. What is Mobile Deposit?
Mobile Deposit is a convenient, easy way to deposit checks from your mobile phone into your account. With the STC Mobile Banking app on your iPhone® or Android™, take a picture of the front and back of your check, enter the check information and securely submit your deposit for processing.

2. Is there a bank fee to deposit my check using my smartphone?
Mobile Deposit is FREE to customers with eligible account ownership. There may be charges associated with data usage on your phone. Check with your wireless provider for more information.

3. Are my checks deposited immediately? When will I see the deposit in my account?
Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Funds deposited before 4 PM EST on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit. If you transmit a check image after 4 PM EST, or on a day we are not open, we may consider that the deposit was made on the next business day we are open.

If your deposit is declined, we will e-mail the notice to you by the first business day after the day we receive your deposit. Deposits may be subject to additional case by case or exception holds. Check your "Deposit History" to see your deposit status.

4. When are the funds available for me to use?
Funds are normally available to you the next business day depending on when you made the deposit. Funds deposited before 4 PM EST on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit. If you transmit a check image after 4 PM EST, or on a day we are not open, we may consider that the deposit was made on the next business day we are open.

5. Should I keep the check after I make the deposit?
After successfully submitting a deposit, you should retain the original check until final settlement just in case there is any dispute that the image does not satisfy legal equivalence requirements. We advise you to keep the email receipt as well until final settlement.

6. Should I endorse my check?
Yes, please endorse your check as usual and include “For Mobile Deposit Only to STC Account # ________” on the back of the check.

7. I'm still having trouble with STC Mobile Banking and/or Deposit, and I didn't find the answer to my question in this FAQ. Who can I contact for help?
Call our People First Call Center at (800) 972-1651 or email custserv@somersettrust.com.