Your guide to ongoing financial success

Summer 2019

What new technology has helped your business thrive?

Continue the discussion on www.standardbankPA.com

MemberFDIC

Trish Fiore has been serving Standard Bank customers for over 20 years. Her genuine approach to customer service and her dedication to customers and technology exemplifies the heart of community banking on a daily basis.

Jeff Martin: Looking Forward, Looking Back / 1Long-time commercial lender and banker discusses his approaching retirement and the wisdom he has gained along the way.

Customer Service vs. Technology: Which to Choose? / 3-4Technology expands daily; however, nothing is as solid as an in-person relationship. Which should your business choose to focus on?

Maximizing Efficiency and Security for Your Business / 5-6Q&A with Andy Hasley about the benefits of Treasury Management for all types of businesses.

Make the Most of Your Digital Banking Experience / 7-8New technology and automation can make your banking easier and quicker. See our top picks.

Connecting with Communities / 9We are deeply ingrained within our communities. See just a few places we’ve been this past quarter. You may just recognize someone you know!

Tim Zimmerman CEO, Standard BankTim Zimmerman, Standard Bank CEO, has been a community banker for more than 35 years and is past-chairman of Independent Community Bankers of America® (ICBA). ICBA is the only national advocacy organization that exclusively represents community banks.

In addition to his successes at Standard Bank and ICBA, Tim is a board member and Vice President of the Pittsburgh Civic Light Opera and chairman of its Audit and Budget and Finance Committees.

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A Community Banking Perspective

Recently, there was an article in the Wall Street Journal that suggested state of the art technology, mobile apps, and digital technology are only available from megabanks, not from community banks. That couldn’t be further from the truth. Community banks, like Standard Bank, truly have the best of both worlds. We are agile and embrace technology, but never lose that small town, personal feel that shows our customers that they really matter – because they do!

Community banks have essentially the same technology solutions and support available for our customers as the megabanks. The big difference is that those products and services are delivered by professional, fully-committed, and experienced associates. We focus on our customers and their businesses and what they need to make them more efficient and profitable. Our starting point is not what we have to “sell,” but listening to our customers, understanding their business, and then offering an appropriate solution – whether that is “high tech” or “low tech.”

As you read this issue of The Rising Standard, that message and feeling should come through loud and clear.

There is information about high quality products and services designed to help you on a personal and business level. Additionally, you will meet and see the personal side of a few Standard Bank associates who bring a wealth of experience and a “can do” attitude to work every day. But most importantly, you should come away with an understanding that Standard Bank is a relationship-based business. We rise or fall on our commitment and ability to focus on our customers.

We appreciate you and your business. We are ready, willing, and able to earn it and keep it every day. When you finish reading this issue, pass it on to a friend or business associate. Help us spread the word and build more mutually beneficial relationships.

Thank you for the opportunity to serve you.

Jeffrey Martin has more than forty years experience in the financial services industry with an extensive background in commercial relationship management, commercial lending, leasing, deposit and treasury management, and wealth management. As senior commercial relationship manager at Standard Bank, Jeff served as a voting member of the Officer Loan Committee, provided commercial financing advice, and coordinated business development between all product lines of the bank for a large portfolio of customers.

Approaching retirement, Jeff Martin takes a few minutes to reflect on his professional years as a banker, lender, and small business professional. Jeff is an outstanding associate of Standard Bank and will be greatly missed. We wish him the very best!

It’s hard for me to believe that retirement is already upon me. After 44 years in commercial lending roles, I have been privileged to work with Fortune 500 companies and the smallest of small businesses. Both have given me opportunities to develop skills that last a lifetime, from dealing with people to developing a priority for customer service. My very first customer relationship, a single owner manufacturing firm that made the hooks for school lockers, instilled in me a curiosity about how the things we see everyday were made. I have seen a lot of how the world works and what makes our economy thrive.

Making customers happy in the banking world truly takes a team. Customers are why we exist. In our highly regulated, multi-functional world, everyone pulling together, contributing their skills and abilities to their part of the process is what it takes to make us all successful. I want to thank all the dedicated folks here at Standard Bank, as well as all the other places I have been privileged to work, for the support and help I needed to get to this stage in my career.

It is called retirement, but I can’t just quit doing something worthwhile. I prefer to think of the next stage of life as repurposing. The future holds opportunities to travel with my wife and family plus continue to serve my community. I’ll be starting a small consulting practice to assist business borrowers seeking financing, using those skills and knowledge acquired over a business lifetime to continue to meet my customers’ needs.

To all those who have been a part of my working life, many who have become friends, I say thanks. Hope to see you at the coffee shop!

Create, maintain, and update your business plan.A solid business plan that identifies key components of success keeps your teams focused and your business moving forward.

Surround yourself with good advisors.Don’t operate in a vacuum. Every business owner needs a support team of experienced legal, accounting, and banking advisors.

Have a succession plan.Succession planning ensures the continuation of the business, both for the future and in the event of unexpected disruption. Trust me, you don’t want to be caught off guard.

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Along with an extensive career, comes great wisdom. We asked Jeff to give his top three pieces of advice for local business owners. Here are his answers:

Left to right: Andy Hasley, Standard Bank President; Theresa Morrissey, Standard Bank regional manager; William R. Miller, Miller Electric Construction; Jeff Martin, Standard Bank senior commercial relationship manager; and Richard R. Miller, Jr., North Side Development Group and Wm. Miller’s Sons, Inc.

“But most importantly, you should come away with an understanding that Standard Bank is a relationship-based business. We rise or fall on our commitment and ability to focus on our customers.”

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At some point, most businesses

are faced with choosing to invest

in either people or in technology. But how much do you invest

in each? Do you have to choose?

As a business and a bank, we’re tasked with how to best serve our customers while keeping the doors open. Do we invest in personnel or with the latest technology? This is a question a lot of local businesses ask as part of their business plan. While we can’t answer for every business, we can tell you how we approach the topic. As a community bank focused on providing our customers a great banking experience, we have chosen to bring the very best of both worlds to our customers, and we’re just the right size to do both really well. We’re small enough to personally manage relationships and employees, and we are large enough to invest in great technology.

We don’t choose between service and technology, we choose our customers and meeting their expectations to produce an outstanding customer experience. With innovation, focus, and a strong, customer-centric mission, businesses can also take the best from both worlds to optimize their customers’ experiences. Here are some tips on how:

First and foremost, what are your customers’ expectations?The best place to start is by researching and defining your customers’ expectations. What do they expect as far as experience? All businesses have products and services they offer. They fill needs. They meet demands. However, it’s your customer’s experience that keeps them coming back for more. This experience can create customer advocates who market your business or it can create a sour customer who deters others. First and foremost, research what your customers expect, and work to meet and exceed those expectations. If your customers expect an in-person experience, enhance it. If they expect convenient technology, optimize it. Keep in mind, you probably have several different types of customers who expect different experiences. Analyze each one and keep these expectations in mind as you move forward.

Some things will always matter For many, the term ‘community bank’ conjures up images of an old, dusty town bank on the corner of Main Street. While that pioneer imagery was once true, times have changed. The good news is, you’ll still find us on the corner of Main Street with knowledgeable and friendly associates. We still take the time to get to know customers so we can offer them the best products and services to meet their unique needs. To us, this is trust, and we still take it very seriously. Trust is timeless. Core values, like trust, are essential to being part of a community, and they don’t change.

Therefore, trust is something our customers expect. Money is serious business. However, trust is one of the most important building blocks of any relationship—including relationships with your customers. And just as with other relationships, every customer interaction, big or small, helps build up or tear down that trust. We know that our customer experience wouldn’t be the same without our dedication to great, in-person customer service. We’re not an online bank, we’re part of a community, so people-to-people interaction is not only important to our customers, it’s expected. So when you look at your customers’ expectations, make sure you remember the basics of any good relationship and why people will always matter.

Change will happenTechnology, unlike trust, changes and evolves on a daily basis and our customers expect us to be on top of it. Daily, we’re upgrading mobile apps, payment technologies, and cybersecurity systems. We invest in technology options that help customers manage their financial life whenever and wherever they choose. However, there wasn’t always so many options. “Convenience” used to be an ATM. Our customers expect us to evolve with new technology advances, and I’m sure your customers expect your business to evolve in the same way.

But should you adopt all the technology? Technology can be expensive!

Not every business has technology to offer customers, and some businesses solely offer tech solutions. If you are in the middle (like most of us), you’ve probably toyed around with the question: “How much do we invest?” To help answer this question, first and foremost, be smart, innovative, and open. Consumers and businesses want to work with companies who are on their game and know their space. Do research and know the latest, even if it isn’t the right fit for your business. Next, holistically look at the customer experience your company offers. Does technology enhance their experience or improve your business’ efficiency? Are your customers frustrated or thrilled with what you currently offer them? Do your competitors offer a better experience? All of these questions will help direct you and your team towards clearer decisions and a focused game plan. More technology is always enticing, but look at the end goal for your company and your customers.

GREAT SERVICE OR

MODERN TECH?

At the end of the day, our customers demanded both.Being in business, you know there is little black and white when it comes to customer experiences. In addition, you’ll never please everyone, but with the right recipe, you can deliver a great customer experience that balances service and tech to meet nearly everyone’s expectations.

Here is a good example from the banking world: If a criminal has stolen your debit card information, you need to act quickly. That’s why we launched our Card Control technology service with our personal checking accounts. This in-app technology allows customers to instantly control the usage and preferences of their debit card. Stolen debit card? No problem, turn it off. With a ton of options, our customers can customize their debit card experience. This technology is great, but a lot of customers still prefer the ability and assurance to be able to call their local Standard Bank office or Customer Care Center when they need help. Our customers appreciate being able to talk with a live person and have that personal, trusted experience...especially when time is of the essence. Our customers need great customer service. So which do we focus on? Tech or service? BOTH because we want every customer to have a great experience. Ignoring one of the experiences would be ignoring a very large customer group.

A Balanced EquationWhile it’s enticing to always go “all in” on customer service or technology, your business can offer both as long as you focus on providing an outstanding customer experience for YOUR customers. Choose options that matter to them and improve their experience. Give them something to rave about. When you focus on your customer experience…and keep all roads leading to that end goal…you’ll be better equipped to make decisions as you invest in employees, technology, and additional resources.

Also, don’t forget to show your employees, customers, and communities you are dedicated to their experience—service, tech, and everything in-between. Be excited about what you offer and do it to the best of your ability. Your customers’ experiences are based on more than one factor—they are based on the whole package—and how well you met their expectations.

Should your business invest in

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Natalia Rosario-Zapata is a community banking center representative at Standard Bank. Her service is outstanding.

With a smile and understanding, she works with customers and technology on a daily basis to ensure a great banking

experience. Keep an eye out for Natalia’s video on her customer service experience--coming soon!

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About the AuthorAndrew Hasley, CPA, MBA, is the president of Standard Bank. He is a seasoned executive in the financial institution industry and maintains a strong dedication to supporting local communities. Andy takes pride in connecting with customers, ensuring that Standard Bank is their first call when seeking financial advice. His confident, hands-on, open-minded style combined with the belief that a happy, well-trained, disciplined, and accountable workforce will result in a high degree of customer satisfaction and company success, has proven to be very effective. Andy is a board member of the Pittsburgh Zoo and PPG Aquarium and serves on the Community Depository Institution Advisory Counsel to the Federal Reserve Bank of Cleveland.

What are “Treasury Management” services?Treasury Management services are a set of banking services that help businesses increase profitability, efficiency, information security, and cash flow, while mitigating threats such as fraud and theft. Most of these services are electronic services that can be implemented whether you are near or far from a Standard Bank location. Gone are the days of time-consuming paperwork, driving to bank locations, and processing deposits or handling banking transactions.

Another way to look at Treasury Management services is to envision them as an extra set of hands and eyes helping you move money, process deposits, or authorize transactions. They add a layer of protection from internal and external theft (as well as innocent human error), all while automating payments and cash flow to maximize profitability. The benefits of this service far outweigh the time and resources traditionally devoted to money management in day-to-day operations.

What size or type of business benefits from Treasury Management services?The great thing about Treasury Management services is that they help businesses of all sizes and in all industries. We work mostly with small- to mid-sized businesses, non-profits, professional firms, and municipalities. Did you know that according to the Small Business Administration, a “small business” is a business with fewer than 500 employees? These “small businesses” comprise 99.9 percent of all business firms in the United States. That’s a lot of organizations looking for tech solutions that don’t compromise face-to-face service.

You may think bigger businesses are the ones who need Treasury Management services, but it’s usually the small- to mid-sized businesses who have limited man-hours to devote to transactional matters that utilize these services the most. Every business owner needs those extra hours in their day—Treasury Management can provide you those extra hours.

Which services provide businesses INTERNAL financial security against theft or human error?There are several ways businesses can use technology to improve their internal controls and enhance their security. A main concern for

a lot of businesses is to protect themselves from internal theft or innocent human error. To mitigate this risk, we offer Dual Control services and Security Authorization Devices. With Dual Control, one individual initiates the money movement (wire or ACH) and another individual approves the transfer. This service requires several individuals so not one employee has full control over the business cash flow.

Security Authentication Devices are also available to add an extra layer of control and security within online banking. These devices generate a one-time security number that is needed to originate any transaction from the account. This number changes within minutes, safeguarding against anyone who may have had access to an old number. Security Authentication Devices allow only those trusted with the actual security device to originate transactions, thus limiting your exposure for internal fraud or theft.

These two popular services offer peace of mind to small business owners, especially for businesses where any one employee has control over the financial processes and transactions of the business. Likewise, these services also benefit larger businesses with higher transaction volumes as each transaction can carry greater risk.

What ways can businesses mitigate EXTERNAL security threats such as hackers and fraudsters?This is a hot topic and will only be exacerbated as the world digitizes more and more. However, digital security, apps, and technology are ubiquitous and available to all size businesses and banks. There are several ways to help businesses protect their company and their company’s money. One of our most popular services is Check Positive Pay and ACH Positive Pay, which reduce the risk of fraudulent account activity by identifying unauthorized transactions BEFORE they occur. These services allow the business to provide a list of acceptable or planned transactions for Standard Bank to confirm before those transactions are paid. If the transaction is not on the list, it does not go through.

Here is a real-life example. We had a consultation with a business owner who had their account and bank routing numbers taken (out of the mail) by a criminal who then produced fraudulent checks that quickly and easily spent the business’ hard-earned dollars. The compromised account had to be closed and reopened, which if you have ever had to close an account due to fraud, you know it is an aggravating and time-consuming process. In addition, the business owner was understandably nervous it would happen again, but our Check Positive Pay service gave him peace of mind. He didn’t have to worry about fraudulent checks or the hassle of re-establishing a new account. The service, additionally, catches bad checks where the check amount has been altered or the check has an invalid date. Check Positive Pay was a game-changer for them.

How do Treasury Management services improve business efficiency and profitability?Treasury Management also helps businesses process payroll, process debit/credit purchases, deposit checks on-site, use a cash courier pickup/delivery service, and set up sweep accounts that automatically move money so it’s where you need it, when you need it.

Sweep accounts are popular solutions to automate your cash flow without consuming an employee’s time. With a Money Market Sweep Account, a checking target balance is calculated and assigned based on a review of your account activity. Each day, excess funds over the target balance will sweep to a money market account. Also available is a Zero Balance Sweep Account (ZBA), which is a checking account that maintains a zero balance by automatically transferring funds from a master deposit account to a secondary account in an amount only large enough to cover checks presented. A ZBA is used by businesses to eliminate excess balances in separate accounts and maintain greater control over withdrawals or disbursements on the ZBA.

Another example of improving efficiency is eliminating time-consuming processes such as driving to the bank or waiting for in-person deposits to be made available. Often, businesses prefer to work with a community bank and a dedicated Relationship Manager, but simply are not located near a physical office. Now, that’s a moot point. With Treasury Management services, there are multiple ways to accommodate these businesses. Distance shouldn’t be a reason you chose to do or not do business with a bank—there are too many ways to bank remotely. In addition, we make it our priority to ensure your needs are being met either in-person or remotely.

Doctor and dentist offices are great examples of businesses that benefit from these services. As a fast-pace service business, they normally

need all hands on deck. Their employees may not have the time to run to the bank to process deposits, but their deposits are needed to run their business. With Deposit Xpress, they get access to their deposits sooner because deposits are processed and available the same day they are received (up until 5:00 p.m.). Processing their deposits on-site not only keeps their office running efficiently, but also keeps their staff doing what they do best—serving customers.

How does technology and Treasury Management fit into the banking dynamic of a community bank? At Standard Bank, our top priority is making sure every business owner has an outstanding customer experience. Some customers consider this to be daily interactions with their dedicated Relationship Manager while others consider it technology that improves their day-to-day banking interactions and financial security. In my eyes, both are important. We work with our businesses just as we work with individuals and families—serving their unique needs, addressing their concerns, and making their banking experience a great one. If you ask 50 businesses what they consider a “great banking experience,” you would get 50 different answers. Standard Bank, as a community bank, strives to meet each of those expectations. So whether it’s through a one-on-one meeting or through a digital Treasury Management service, we rise to the occasion and provide our customers with an outstanding experience.

If a business owner feels Treasury Management services could benefit their business, what’s their next step? Our goal is to provide outstanding customer experience regardless of business size. We conduct a free, detailed analysis for every business to determine which products and services will increase their efficiency and increase their bottom line. Standard Bank’s experienced Treasury Management team is dedicated exclusively to this process. They’ve heard the horror stories such as internal theft or a hacked account. Conversely, they have also witnessed growth in businesses through improved productivity. Listening is key, and we have learned from every story. The good and the bad. We know running a business is difficult. We’re here to help make it easier. Our team is experienced, and they will become your trusted advisor.

If you would like to learn more about Standard Bank’s Treasury Management services, we invite you to check out our website at www.standardbankpa.com/business or call our Treasury Management team directly at (412) 684-1082.

Businesses of all sizes increase profitability and efficiency by banking from their office.

institutions keep your detailed, sensitive information strictly on the online banking platform. That way, if you lose your phone or tablet, criminals can’t easily manipulate your mobile account (i.e. set up an external transfer to an illegal account, view account numbers, etc.). Below are a few examples of how you can optimize your digital banking experience exclusively through online banking:

So while the mobile app gives you an instant banking experience, online banking gives you a more detailed and customizable digital banking experience. Maximizing any digital banking experience begins with learning your bank’s online banking platform, and there is probably a lot to learn. You’ll be shocked at all the features and functions available at your fingertips.

The Educated Banking Experience Banking is constantly evolving. From technology, to products and services, to regulations and rates…we evolve daily. The best place we, and other businesses, can share the latest information is on our website. Updated daily, we list rates, product details, informational blogs, career opportunities and online loan applications—we put it all out there for consumers. We try to be as readily available on a Google search as we are when you call a physical office.

Other platforms we use to share information includes Facebook and LinkedIn. Community and customer relationships are (obviously) really big deals to us and social media is another way we can extend relationships. As a customer of Standard Bank, we want you to be informed, educated, and engaged.

The Future Experience The future of digital banking has just begun. We’re studying new ways to augment your banking experience (without compromising security) and have several projects in the works! Currently, tech companies are developing ways that artificial intelligence can streamline your banking experience to make it more convenient and accessible. For example, would using voice commands give you a better banking experience? Regardless of what technology develops in the future, Standard Bank’s digital banking platforms will still focus on our customers’ overall experience. After all, that’s what should matter most.

The Instant Banking ExperiencePew Research Center claims that as of 2018, 77 percent of all U.S. adults own a smartphone (and no, it’s not just the millennials). In addition, one-in-five of us are “smartphone-only” internet users, meaning our phone is our only internet source. A dependency that is growing every year in all generations. Why? Because of the amount of apps that are available for smartphones. Apps take the internet browsing experience and make it easier. Quicker. Instant.

Banking apps are no exception. Most banks provide one or more apps to make your life easier and mesh into your on-the-go “app living” lifestyle. It makes banking a more instant or collaborative experience that moves as you move. Here are some more examples of ways you can optimize your mobile app experience:

No one wants to add another errand to their already busy day, so taking your bank with you frees up more time to live your life uninterrupted.

The Detailed, Customized Banking ExperienceEven if you don’t own a smartphone, odds are, you use the Internet. The Internet was the first step to making banking more accessible with online banking. Although it’s been around longer than mobile banking, that doesn’t mean it’s outdated. In fact, Standard Bank is constantly updating our online platforms! Online banking serves as the hub of your digital banking experience and provides you with enhanced information, capabilities, and resources. The online banking experience offers several features not found on mobile apps because financial

8Smartphone Resource: www.pewinternet.org/fact-sheet/mobile/

• Turn your debit card off and customize other options with Card Controls

• Instantly move money between accounts• Pay your bills from anywhere at any time

• Deposit checks with two photos and a few taps• Use People Pay to send money to friends’

PayPal or bank accounts instantly• Review activity, bills, and checks

• Set up custom e-mail alerts• Message Customer Care Center with questions• Change account description names• Organize spending categories• Generate customized reports

• Add, delete, or edit your contacts• Pay multiple bills on one screen, with one click• View running account balances• View and manage e-statements• Manage mobile devices

Top 5 PicksWhile there are a ton of options to optimize your digital banking experience, here are my top five picks:

Download your bank’s mobile banking app

Enroll and customize mobile Card Controls

Use Mobile Deposit to deposit checks from home

Set up custom e-mail alerts in online banking

Schedule and pay your bills via the app or online banking

Do you remember the days of waiting at the bank to cash your paycheck? Make a loan

payment? Paying your bills with checks and sending them

off in the mail?

We do, and it was a lot of time, effort, and paper for

everyone. Thanks to advances in technology and security, customers are now able to

integrate their banking with their everyday life. Morning

or night, at home or in-store, you take your bank with you.

However, as with all technology, it is what you make of it.

About the Author: Pat Dougherty is manager of

Standard Bank’s North Hills office. A graduate of Bowling Green

State University, Pat takes pride in delivering outstanding customer

service with a professional and problem-solving attitude.

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EXPERIENCE

Example: Mobile Card ControlsWhen you enroll in Card Controls, not only can you fully customize your debit card preferences to mitigate fraud before it happens, you also can get instant alerts when your debit card has been used. A push notification to your smartphone tells you where and how much you spent on your last transaction. These notifications are great security measures, but customers also use them to update their checking registers, budget spreadsheets, or accounting programs. Each transaction has its own notification and remains visible until you dismiss it. It’s easier than collecting receipts.

“Apps take the internet browsing experience and make it easier.

Quicker. Instant.”

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It’s important for decision-makers to differentiate our line of business from the “big banks” and witness the local impact of community banks. In fact, Standard Bank CEO, Tim Zimmerman, has met with President Donald Trump (top right) to advocate for community banks. Tim and Andy Hasley, bank President, joined other community bankers on Capitol Hill in May to advocate for Community Banking (top left). Locally, Standard Bank associates met with Congressman Conor Lamb and introduced him and his team to the community banking mission (bottom).

Standard Bank was honored to receive the Community Leadership Award from Pennsylvania Association of Community Bankers (PACB) for our invaluable connection and service to non-profits in the communities we serve through contributions from the Standard Charitable Foundation.

Our Lawrenceville Office proudly represents the bank in Lawrenceville’s 111th Memorial Day Parade

Quiet on the set! This year, Standard Bank is recording a series of videos to highlight our community banking mission. We will be featuring different departments, associates, and locations. One thing all of our associates have agreed on: We do it all for our customers. Be sure to watch our videos as they are posted on social media and help share our story!

During the month of July, Standard Bank offices will be collecting non-perishable snack items (granola bars, crackers...) for children home during the summer months at HEARTH, a local non-profit that supports families affected by domestic violence and homelessness.

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Allegheny CountyBlawnox201 Freeport RoadPittsburgh, PA 15238(412) 828-6030

Green TreeFour Parkway Center #100Pittsburgh, PA 15220(412) 928-8530

Lawrenceville5137 Butler StreetPittsburgh, PA 15201(412) 781-1464

Monroeville2640 Monroeville Blvd.Monroeville, PA 15146(412) 856-0354

Mt. Troy2000 Mt. Troy RoadPittsburgh, PA 15212(412) 322-6107

North Hills7703 McKnight RoadPittsburgh, PA 15237(412) 847-7640

Pittsburgh (Downtown)428 Forbes AvenuePittsburgh, PA 15219(412) 338-9036

Shaler (Drive-up down the road)900 Mt. Royal BoulevardPittsburgh, PA 15223(412) 486-4245

Westmoreland CountyGreensburg5150 Route 30, Eastgate PlazaGreensburg, PA 15601(724) 834-2060

Ligonier211 West Main StreetLigonier, PA 15658(724) 238-6655

Mt. Pleasant659 West Main StreetMount Pleasant, PA 15666(724) 547-7515

Murrysville4785 Old William Penn Hwy.Murrysville, PA 15632(724) 327-0010

Scottdale100 Pittsburgh StreetScottdale, PA 15683(724) 887-7900

Bedford County & Western Maryland

Hyndman3945 Center StreetHyndman, PA 15545(814) 842-3294

Cumberland (walk-up / drive-up only)200 North Mechanic St.Cumberland, MD 21502(301) 722-5770

LaVale1275 National Hwy.LaVale, MD 21502(301) 729-3738

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Whiskers, Inc. in Westernport, MD won our social media contest. Those who follow our page voted for non-profits most deserving of a $500 donation.

Connecting with our Communities

Relationship banking still exists. So does trusted counsel.Partner with Standard Bank and see the community banking difference.

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