Navigator Checking Account | Rewards | No minimum balance | Pittsburgh


Earn up to $374 every year, just for using your debit card!

Just as a community bank is dedicated to lifelong customer relationships, Navigator Checking was designed to be your ultimate, lifelong checking account companion. With you in the driver’s seat, Navigator Checking adapts to YOUR financial habits and goals with three self-adjusting benefit packages. You’ll never need to switch accounts or worry about paying excessive fees due to changes in account balances. As your banking relationship needs change, your package will simply adjust with you. All packages enjoy:

      • High-paying cash back rewards: Earn $5.00 for every 25 purchases1
      • No minimum balance
      • No monthly service fee when you complete 5 bank transactions2 (transactions include deposits, bills, purchases, transfers…any money movement)
      • Unlimited surcharge-free transactions at all Standard Bank, Dollar Bank, and PNC Bank® ATMs3
      • Package levels update automatically each month. No fees or hassle to you!

What are "Cash Back Rewards"?

All Navigator Checking customers earn debit card cash back rewards, regardless of their package level. Purchases must be credit-based transactions (not PIN based). Customers can earn up to $31.20 every month (that’s almost $375 every year!). Whether you use your debit card a lot or just once and awhile, you earn rewards:

  • 1-24 purchases earns $0.05 cash back for each purchase
  • 25+ purchases earns $5.00 cash back for every 25 purchases
Learn More

What does mobile banking offer?

  • Mobile Deposit: Deposit checks with just a photo
  • People Pay: Pay nearly anyone with only a phone number or e-mail address
  • Card Controls: Turn your debit card on or off and set extra preferences based on location, amounts, and types of spending
  • Pay bills and make loan payments
  • Transfer money between your Standard Bank accounts
  • Use your debit card in Apple Pay™, Google Pay™, and Samsung Pay
Learn More

How do I get started?

Standard Bank takes great pride in outstanding, LOCAL customer service. We have offices located in 16 communities in Southwestern Pennsylvania and Maryland. Stop by to open your Navigator Checking account today! We would be honored to welcome you to our offices.

Find an Office

What is a "community bank?"

A community bank is a bank that derives funds and lends to the communities in which it operates–ultimately helping to grow the local economy….and so much more. Check out our videos to learn how community banking benefits you, local businesses, and your community.

Learn More

Navigator Checking

Just as a community bank is dedicated to lifelong customer relationships, Navigator Checking was designed to be your ultimate, lifelong checking companion. Flexible and accommodating, Navigator Checking easily travels life’s financial journey beside you while offering the tools and benefits to help meet your financial goals.

Take a deeper dive into this unique checking account and see how it works to compliment your entire banking relationship. Finally, one account you will never have to change.

Download Full Brochure

Flexible

Flexible Package

  • No minimum balance required

  • Cash back rewards1
  • Free online banking and mobile banking3
  • Unlimited surcharge-free transactions at all Standard Bank, Dollar Bank, and PNC Bank® ATMs4
Download PDF Brochure

Rewarding Package

  • $5,000 relationship required
    (loan balance + deposit balance)

  • All Flexible Package benefits included PLUS:

  • Navigator Savings bonus rate
  • Free identity fraud insurance
Download PDF Brochure

Lifelong Package

  • $20,000 relationship required
    (loan balance + deposit balance)

  • All Rewarding Package benefits included PLUS:

  • Surcharge-free foreign ATM transactions5
  • Free overdraft protection from your linked savings account
  • 0.25% rate discount on your home equity loan6 and no annual fee on your home equity line of credit

Download PDF Brochure

Are you ready to start earning?


Open your new Navigator Checking account at any Standard Bank office today!

1 Debit card cash rewards, which are based on the card being used for VISA credit transactions (signature-based), include both (1) $0.05 per transaction up to 24 transactions AND (2) $5.00 for every 25 transactions that post and settle on the customer’s monthly statement. Rewards will be credited to the account at the end of the statement cycle in which they were earned. Maximum monthly reward is $31.20.
2 When five bank transactions are not met a $7.00 charge will apply. Bank transactions include purchases, bill pays, deposits, withdrawals, etc.
3 Third-party carrier message and data rates may apply. Apple, Apple Pay, App Store, Apple Watch, iPhone, Touch ID and Face ID are registered trademarks of Apple Inc. App Store is a registered service mark of Apple Inc. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd. Google, Android, Google Pay and other marks are trademarks of Google LLC.
4 PNC Bank is a registered trademark of The PNC Financial Services Group, Inc. PNC Bank, National Association. Member FDIC.
5 Other bank’s fees may still apply. Standard Bank will reimburse Standard Bank fees only.
6 0.25% home equity loan rate discount requires autopay from a Standard Bank checking account.