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Smart Start Banking

Open a Smart Start Banking checking account and get:

-$251
-A Free PopSocket1
-Free Worldwide ATMs3
-A chance at $1000 for a Back-To-School Shopping Spree!2

Disclosures

1This offer is not available to current S&T Bank checking customers or those who have closed an S&T Bank checking in the past 12 months. Offer applies to new checking account consumers opening a Smart Start Banking account by September 28, 2018*. New accounts will not be eligible for offer if primary signer/ accountholders has signing authority on an existing S&T Bank consumer checking account. Signing authority will be defined by the customer name(s) and social security number(s) registered on the account. Offer cannot be combined with any other checking offer and is subject to change or termination without notice. To qualify for the $25 offer: the day of the account opening, the account must be funded with at least $50 and account must be opened between August 13, 2018 and September 28, 2018. Also, the following conditions must be met by October 12, 2018: (a) apply, receive and activate a Smart Start Banking debit card and (b) complete at least 3 S&T Bank Visa Debit Card purchases (posted and cleared). The account must remain in good standing (daily ledger balance greater than $2) in order to receive the $25 incentive credited to the account by October 26, 2018. Free gift will be given at account opening while supplies last. Subject to 1099 reporting.

2To Enter: You will automatically be entered once Smart Start Banking account is opened between August 13, 2018 and September 28, 2018. No Purchase necessary. For PA and OH residents only, on a 3”x5” plain piece of paper, handprint your name, address, city, state, zip code and phone number, and mail to: S&T Bank Debit Sweepstakes, PO Box 190, Indiana PA 15701. Limit one entry per household. Mail entries must be received by September 28, 2018.

Eligibility: Sweepstakes is open to U.S. residents age 18 and older. Employees of S&T Bank affiliates, subsidiaries, dealers, distributors, retailers, advertising and production agencies. VISA, and their immediate families and those living in the same household are not eligible. All federal, state, and local laws and regulations apply. Void where prohibited by law. Bank reserves the right to cancel, suspend and/or modify the sweepstakes at its discretion.

Prizes: One winner will be randomly selected and awarded $1,000. Total value of prize is $1,000. Prize will be posted directly to winner’s Smart Start Banking account, if winner has such an account, or a VISA giftcard will be mailed. All prizes will be awarded. Subject to 1099 reporting.

Random Drawing: Winner will be selected in a random drawing from among eligible accounts and entries received, conducted under the supervision of S&T Bank Officers. Drawing will occur on October 26, 2018. No substitution for prize. Prize is not transferable. Applicable taxes are the winner’s responsibility. Prize acceptance constitutes permission (except where prohibited) to use winner’s name and likeness for publicity purposes without additional compensation. Sponsor and its agents are not responsible for lost, late, misdirected, damaged, illegible, or postage-due mail. For a list of prize winners, send a self-addressed, stamped envelope by October 26, 2018 to: S&T Bank Back to School Shopping Spree. Marketing Department, PO Box 190, Indiana, PA 15701. Winner can also be found on S&T Bank’s Instagram or Facebook page. Sponsor and agents are not responsible for liability associated with the acceptance or use of the prize. The odds of winning depends upon the number of entries received.

3Unlimited free ATM transactions at S&T Bank ATM’s. S&T Bank does not charge you to use another bank’s ATM plus reimburses surcharge fees (fees charged by other banks to use their ATMs). Free ATM transactions do not apply to any fees other than fees assessed for using an ATM to withdraw cash from your Smart Start Banking account. For example, the VISA International Service Assessment Fee, that’s applied when a foreign country ATM is used for a cash withdrawal, is not waived or reimbursed, and will continue to apply. S&T Bank makes its best effort to identify those ATM fees eligible for rebate based on information it receives from Visa and ATM operators. You must have a Smart Start Banking account with an S&T Bank debit card in order to receive Free Worldwide ATMs. In the event that you have not received a reimbursement for a fee that you believe is eligible, please call S&T Bank Solution Center for assistance at 800.325.2265. S&T Bank reserves the right to modify or discontinue the FREE ATM transactions at any time.

*Please see S&T’s Deposit Account Agreement and Disclosures, including the Consumer Fee Schedule for important terms and conditions.