A fresh start in a fresh space.

^¹Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. CD Time Deposit – 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could reduce the principal for these accounts. APY is effective as of February 17, 2026. Minimum deposit to open CD is $20,000, maximum deposit amount is $500,000 and must be new money to the Bank. New money to the Bank means that money has not been on deposit at S&T Bank within the past 30 days.  Automatically renews into a 6-month CD with the rate offered at the time of maturity.  Consumer customers must have or open an S&T consumer checking account to qualify for this promotion. Business customers must have or open an S&T business checking account to qualify for this promotion. This special cannot be combined with any other offer and excludes brokered accounts and money for public funds. Offer is only available at Main Office and Indian Springs branches, must be redeemed in the branch and may be withdrawn at any time. Must present promo code at the time of opening.  Promo Code: STBR2026

²To qualify for the $400 incentive, a new Basic Business Checking account must be funded with a $2,000 balance within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $2,000 or more on May 4, 2026. To qualify for the $600 incentive, a new Basic Business Checking Account must be funded with $25,000 within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $25,000 or more on May 4, 2026. Account must be opened between January 1, 2026 and March 31, 2026. Account will receive appropriate incentive on May 14, 2026. New account will not be eligible for offer if any signer has signing authority on an existing S&T Bank Business Checking account or has closed an account within the past 90 days or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the incentive. Estate accounts are not eligible for this promotion.

³Once qualifications have been met for the new Basic Business Checking account, business is able to qualify for an additional $300 incentive when a S&T Positive Pay and/or ACH Positive Pay solution is established on the new Basic Business Checking account. Positive Pay or ACH Positive Pay must be activated by May 4, 2026, to receive the additional incentive on May 14, 2026, which will be credited to the S&T Basic Business Checking account. Limit one $300 incentive per business, regardless of the number of Positive Pay or ACH Positive Pay solutions are added.

Incentives will be identified as “Cash Incentive” on your monthly statement. The value of the incentives may be reported on Internal Revenue Service (IRS) Form 1099 and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

⁴To receive the incentive, open a new Smart Start Banking account between January 1 and March 31, 2026. Within 90 calendar days of opening, make five debit card purchases (posted and cleared) with your new S&T debit card. All existing primary account holders of a Smart Start Banking account, including those with any relationship to or signing authority on any other S&T consumer checking account or those who closed a checking account within the last 12 months, are not eligible. Signing authority will be defined by the customer’s name(s) and social security number(s) registered on the account. To receive the incentive, this account must remain open with a balance greater than $0 on July 10, 2026, and never be overdrawn. To qualify for the incentive, the promo code is required at account opening. The incentive will be deposited to your account on July 16, 2026, if all above requirements are met. Offers may vary by product and region, are not transferable and are reportable for tax purposes. S&T Bank reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships. Promo code: STSS2026

⁵The person making the referral (Referrer) and the individual being referred (Referred Person) will each earn $100 if the requirements are met as set forth within the “Referred Person” section below.

Receiving Text Messages and Emails:  Referrer agrees that by providing their mobile phone number and email address they are agreeing to the receipt of text messages and emails from the Royal Referral Center site. 

Referrer:  To make a referral, the Referrer must have a personal checking account at S&T Bank, register for the program online at https://stbank.royalreferralcenter.com and submit a valid email address and phone number for both themselves and each Referred Person. A Referrer may receive up $500 in deposits within a calendar year. The Referrer acknowledges the incentive will not be issued until all conditions have been met in the timeframes provided. If more than one Referrer refers the same Referred Person, only the first Referrer who enters information for a Referred Person will receive a $100 incentive if the Referred Person fulfills the requirements.

Referred Person: To earn the $100 incentive, the Referred Person must open a new S&T Bank personal checking account within 90 days of receiving the email or text offer through the referral program, and meet the following requirements:

Make at least two $500 qualifying direct deposits within 90 calendar days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, S&T Bank deposit account transfers or other electronic money transfers, such as those made through internet payment services, do not qualify.

The account cannot be overdrawn during the 90-calendar day period after account opening. The account must be open to receive the $100 incentive. The Referred Person may only receive one $100 incentive for opening a personal checking account and completing the requirements but may also be eligible as a Referrer.

All existing S&T Bank personal checking customers, owners, or those with signing authority on any other S&T personal checking account or those who closed a personal checking account within the last 12 months, are not eligible. Signing authority will be defined by the customer’s name(s) and social security number(s) registered on the personal checking account as an owner.

Email Address and Phone Number: When opening a S&T Bank personal checking account, the Referred Person must provide the same email address and mobile phone number entered in the Royal Referral Center Site by the Referrer.

Deposit Account Disclosures:  All deposit accounts are subject to the S&T Bank Deposit Account Agreement and Disclosures.  These can be found at: stbank.com/accountdisclosures/.

Opt Out:  A referrer who registers through the Royal Referral authorizes future communications, including emails regarding the program unless they “opt out” by making an election by email.

Other Rewards:  The Referrer will earn a $5 (five) dollar gift card to Starbucks® Coffee for every ten (10) referrals made within the Royal Referral Center Site. Starbucks® rewards will be delivered instantly as a code to the Referrer’s email address provided once the ten (10) referrals have been made. There is a limit of five (5) Starbucks® Coffee gift cards a Referrer may earn each calendar year.

Age Limitations:  Referrer and Referred Persons are required to be 18 years or older.

Other Limitations:  This offer may not be combined with other offers. This offer may end or be changed without notice. All personal checking account applications are subject to S&T Bank approval. S&T Bancorp employees are not eligible to participate. Processing and delivery of the incentive may take an additional 4-6 weeks after all conditions have been met. The incentive will be direct deposited into the appropriate personal checking account.

⁶The 3.99% Annual Percentage Rate (APR) introductory total line of credit rate will be in effect for 6 months and is effective as of 1/1/2026. After the 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime rate (6.75% as of 1/1/2026) plus or minus a margin that may be based on your credit qualifications, the amount of your credit line and loan-to-value, with a minimum of 2.99% and a maximum of 18.00%. The offer requires a minimum line amount of $25,000 and an automatic draft payment from an S&T Bank checking account. The offer is not available for existing S&T Bank home equity line increases or refinancing existing S&T Bank home equity and mortgage debt. The offer is not available on home equity total line of credit renewals. A processing fee of $75 will be waived. An early termination fee of $350 applies if your credit line closes within 36 months. An annual fee of $50 will be charged to your line of credit. Title insurance required on lines of $750,000 and greater. Offer not available for investment and income-producing properties. Property insurance is required. Other rates and terms are available. Consult your tax advisor regarding the deductibility of interest. Subject to credit approval. Offer is subject to change or withdrawal without notice.

⁷Payments for appraisals, when required, are the responsibility of the borrower(s). Appraisals typically range from $75-$950; however, the first $90 in appraisal fees will be waived. The Bank shall choose the appraisal type for the loan.