COVID-19 Updates 

On this page, you will find the latest information regarding how Somerset Trust is handling issues related to the COVID-19 pandemic.

Click on the links below for information on each topic:


Fraudsters often take advantage of people during times of crisis, panic and confusion. We want to make our customers and communities aware of potential scams and how to avoid becoming a victim. Below you will find information about Phishing Scams, Fraudulent Checks, Medicare Scams, Charitable Giving Scams, and Fraudulent Businesses claiming to have items that prevent or cure Coronavirus.

There is more information about each type below, but keep in mind one key point:

If you are contacted about a stimulus payment, it is a scam. Checks have not been issued yet, the Government is still working out details and plans to announce official dates soon.

Phishing Attempts

Fraudsters will attempt calls, texts or emails claiming to be from the IRS. They may tell you in order to receive your stimulus payment faster, they need to update your personal information over the phone. They may ask you for your social security number, bank account or credit/debit card information. If you give them this information, the scammers will use it to steal your identity and use your bank account information to make fraudulent purchases with your money. If the request is sent via text or e-mail, they may include a link which exposes your computer or phone to viruses and malware once you click on it.

How to protect yourself: Never give out personal information over the phone to anyone!

The IRS will not call, text or e-mail to verify your information. As of now, the IRS plans on launching a website that will allow people to file a simple tax return (for individuals who have not filed taxes in 2018 or 2019), and may allow people to update with new account information for direct deposits. Please remember this website does not exist yet and an official announcement will be made on how they plan to obtain this information, so any direct contact you receive regarding your information is most likely fake. Look for a trusted news source to find the official announcement, not social media, emails, texts, etc.

Mailed Checks

Mass mailings with fraud checks claiming to be a “Stimulus Check Advance” are being sent. The letters accompanying the check ask the recipient to deposit the check and pay a “fee” for the advance on funds. The “fee” is usually paid by sending back some of the money via wire transfer, Western Union, Moneygram, or by purchasing gift cards. You are asked to deposit the check at your Financial Institution and asked to pay the fee. A few days after depositing the check, it is returned as a fraudulent item and you become liable for paying back the money that was spent (that could end up being thousands of dollars!)

How to protect yourself: Do not deposit or attempt to cash the check!

You can file a police report, destroy the check and letter or bring it to your Financial Institution and let them know you received a fraudulent check.

Medicare Scams

Scammers may also try to steal your Medicare Number by lying about sending you Coronavirus vaccines, tests, masks, or other items in exchange for your Medicare Number or personal information.

How to protect yourself: Only share your Medicare Number with your primary and specialty care doctors, participating Medicare pharmacist, hospital, health insurer, or other trusted healthcare provider.


Charitable Giving Scams

Scammers create fraudulent charities all the time. They often claim to be addressing timely and relevant issues, such as the coronavirus pandemic. Most of these charities are shared on social media sites.

How to protect yourself: Research charities prior to donating by using a web-based search engine. Enter the charity name followed by one of the following words- Scam, Fraud, Complaints or Reviews. Additional charitable giving tips can be found at:

Fraudulent Businesses

You may be contacted or see ads for business claiming to have items that prevent or cure coronavirus. Use caution before purchasing items related to the pandemic or unknown sites. To date, there is no vaccine or cure.

How to protect yourself: Research the company prior to making any purchases by typing the company name into a web-based search engine followed by one of the following words- Scam, Fraud or Complaints or Reviews.

Somerset Trust Company cares deeply about the financial well-being of our customers and communities, and we understand the need for flexibility during this unprecedented time of uncertainty for families and businesses. If you are experiencing financial hardship, we are offering specific solutions to help you get through this difficult time. Special programs now in place for a limited time include:

Consumer Loans

  •  90-day payment deferral option without credit bureau impact
  •  Interest-only payment option without credit bureau impact

Mortgage Loans

  •  Fannie Mae Forbearance Plans
  •  A temporary suspension of foreclosure sales

Credit Cards

  •  90-day payment deferral option without credit bureau impact
  •  No late fees will apply

Business Loans

  •  Payment deferral options
  •  Interest-only payment options

For current customers, we urge you to contact your lender directly for more information. New customers may contact the People First Call Center at 1-800-972-1651 to be connected to a lender in your area.

The health of our customers and employees is a top priority for Somerset Trust Company. In order to do our part to stem the spread of the COVID-19 virus, and in accordance with government mandates, we have elected to limit in-person services throughout our branch network. We are currently operating primarily through our drive-thru facilities with a few select retail locations operating on a limited basis. We are able to provide access to safe deposit boxes and other in-person banking needs by appointment. Please schedule your appointment by calling our Call Center at 1-800-972-1651.

Please see our Locations page with further details regarding which services are available at which locations and modified hours for a number of our retail locations.

We may look a little different than you remember but our desire to help you remains the same. Some changes you may notice when you enter our branches:

  • Masks: Our employees will be wearing them and we ask that you do, as well. We can provide one for you if you do not have one.
  • Distance Markers: There are floor markings and signage to help guide you through the lobby at a safe distance from others.
  • Partitions: We have installed plexi-glass shields at our teller windows and in customer service offices.


In addition, Somerset Trust has established a number of preventive measures in accordance with CDC recommendations for extensive cleaning throughout our facilities, as well as reinforcing proper hand-washing and health monitoring among our employees.

We invite you to take advantage of our self-service banking conveniences as need arises:

Banking Options

To best serve you during these unusual times, the 6 per-month limit on transfers from our savings and money market accounts described below has been removed until September 30, 2020:

Limitations on frequency of transfers – The following limitations apply:

  • Transfers from a Money Market Savings, Statement Savings, or IRA Savings account to another account or to third parties by preauthorized, automatic, telephone agreement, computer transfer, draft or similar order to third parties are limited to six per calendar month.
  • Transfers from a Money Market Plus, Super Money Market Plus, or Advantage Interest account to another account or to third parties by preauthorized, automatic, telephone agreement, or computer transfer or by check, draft or similar order to third parties are limited to six per calendar month.

We will continue to monitor the situation and communicate updates as they develop. We value your relationship and we thank you for your patience and understanding. We are looking forward to the days when we can be a community together, again.

Take care and be safe.