Checking Accounts That Fit the Way You Bank
Whether you want simple everyday checking, interest-earning options, student banking, or benefits for customers 50 and over, Somerset Trust can help you find an account that fits your life.
Convenient Checking
A simple everyday checking account with easy access to your money for purchases, payments, and daily banking.
Best for
Customers who want straightforward checking for everyday spending and money management.
Interest Checking
Earn interest while keeping the access and flexibility you expect from a checking account.
Best for
Customers who maintain higher balances and want their checking account to earn interest.
Horizon 50 Checking
A checking account designed for customers 50 and over, with added benefits that support everyday banking.
Best for
Customers age 50 and over who want checking with additional account benefits and services.
Student Advantage Checking
A student-friendly checking account built for busy schedules, everyday spending, and simple access to money.
Best for
Students who want a convenient checking account they can use at school, at home, and on the go.
Compare Checking Accounts
See how Somerset Trust checking accounts compare so you can choose the option that best fits how you bank.
| Convenient Checking | Interest Checking | Horizon 50 Checking* | Student Advantage Checking** | |
|---|---|---|---|---|
| Minimum Deposit to Open Account | $25 | $500 | $0 when opened in a branch; $25 when opened online | $25 |
| Minimum Balance Requirement | None after account opening | None after account opening | No minimum balance requirement, but a collected balance of $1,000 must be maintained in the account each day to receive disclosed Annual Percentage Yield***. | None after account opening |
| Monthly Minimum Balance Fee | $0 | $0 | $0 | $0 |
| Earns Interest | No | Yes | Yes | No |
| STC 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 | Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card |
| Online Banking & STC Mobile App Access | Yes | Yes | Yes | Yes |
| Free Checks | Free checks with enrollment in eStatements. If not enrolled in eStatements, only the first order of basic checks is at no cost. | Free basic checks for the life of the account. | Free basic checks for the life of the account. | No |
| Unlimited Check Writing | Yes | Yes | Yes | Yes |
| Overdraft Protection Option | Yes, from Overdraft Savings Account or line of credit. | Yes, from Overdraft Savings Account or line of credit. | Yes, from Overdraft Savings Account or line of credit. | Yes, from Overdraft Savings Account or line of credit. |
| eStatements | Yes | Yes | Yes | Yes |
| Stop Payment Fee | $25 per item | $25 per item | None | $25 per item |
Minimum Deposit to Open Account
- $25
- Interest Checking
- $500
- Horizon 50 Checking*
- $0 when opened in a branch; $25 when opened online
- Student Advantage Checking**
- $25
Minimum Balance Requirement
- None after account opening
- Interest Checking
- None after account opening
- Horizon 50 Checking*
- No minimum balance requirement, but a collected balance of $1,000 must be maintained in the account each day to receive disclosed Annual Percentage Yield***.
- Student Advantage Checking**
- None after account opening
Monthly Minimum Balance Fee
- $0
- Interest Checking
- $0
- Horizon 50 Checking*
- $0
- Student Advantage Checking**
- $0
Earns Interest
- No
- Interest Checking
- Yes
- Horizon 50 Checking*
- Yes
- Student Advantage Checking**
- No
STC Debit Card
- Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
- Interest Checking
- Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
- Horizon 50 Checking*
- Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
- Student Advantage Checking**
- Surcharge-free use of STC's extensive network of ATMs, including partner networks, with your Somerset Trust Company debit card
Online Banking & STC Mobile App Access
- Yes
- Interest Checking
- Yes
- Horizon 50 Checking*
- Yes
- Student Advantage Checking**
- Yes
Free Checks
- Free checks with enrollment in eStatements. If not enrolled in eStatements, only the first order of basic checks is at no cost.
- Interest Checking
- Free basic checks for the life of the account.
- Horizon 50 Checking*
- Free basic checks for the life of the account.
- Student Advantage Checking**
- No
Unlimited Check Writing
- Yes
- Interest Checking
- Yes
- Horizon 50 Checking*
- Yes
- Student Advantage Checking**
- Yes
Overdraft Protection Option
- Yes, from Overdraft Savings Account or line of credit.
- Interest Checking
- Yes, from Overdraft Savings Account or line of credit.
- Horizon 50 Checking*
- Yes, from Overdraft Savings Account or line of credit.
- Student Advantage Checking**
- Yes, from Overdraft Savings Account or line of credit.
eStatements
- Yes
- Interest Checking
- Yes
- Horizon 50 Checking*
- Yes
- Student Advantage Checking**
- Yes
Stop Payment Fee
- $25 per item
- Interest Checking
- $25 per item
- Horizon 50 Checking*
- None
- Student Advantage Checking**
- $25 per item
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