Preferred Banking

Preferred Banking Checking Account

Gain Financial Advantage

The preferred, personal checking option, complete with debit rewards so your spending pays back.

  • No monthly maintenance fees if balance requirements are met1
  • Cash Back Rewards available2
  • Free ATMs Anywhere3

Preferred Banking Checking Account Details

With a busy and active lifestyle, we know you need a bank account that works as hard as you do.

  • Debit Card Rewards

    Each time you make a purchase, use your Debit Rewards Card as “Credit” and you will receive 5 cents back from S&T Bank2.

  • Free Anywhere ATM Transactions3

    Not only can you transact at any S&T ATM, we’ll also reimburse surcharge fees from other bank ATMs at each statement cycle.

  • Online & Mobile4 Banking

    Gain access to our online platform and mobile banking app for 24/7 access every day of the year.

  • Checks

    Your first order of Preferred Banking checks is free5.

  • State-of-the-Art Security Technology

    We are committed to protecting the financial and personal information of all our customers.

  • Billpay Convenience

    Stop wasting time manually paying bills. Whether it’s a one-time bill or recurring payment, we’ve got you covered


Yes, to open a Preferred Banking Checking account, a $50.00 balance is required.

There is a $10 monthly maintenance fee if one of the above balance requirements are not met1.

1 Must maintain minimum daily balance of $1,000 required in Preferred Banking checking account or combined deposit balance and home loan outstanding balance of $25,000 or more, Otherwise a $10 monthly maintenance fee if one of the above balances is not met. Combined home loan balances include outstanding balances on mortgage loans serviced by S&T Bank, home equity loan and home equity line of credit outstanding balances. Home loan balances do not include VA, FHA, or PHFA mortgages.

2 $.05 credited to your account for every credit or signature based transaction made with your Preferred Banking debit card. The total debit reward incentive will be subject to 1099 reporting.

3 Unlimited free ATM transactions at S&T Bank ATMs. 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) per statement cycle. Free ATM transactions do not apply to any fees other than fees assessed for using an ATM to withdraw cash from your Preferred Banking Account; for example, the VISA International Service Assessment Fee, that applies when a foreign country ATM is used for a cash withdrawal, is not waived or reimbursed, and will continue to apply.

4 Mobile Banking is offered as a free service of S&T Bank. You may incur and are responsible for any charges assessed by your mobile carrier. Contact your mobile carrier for more information

5 First order of Preferred Banking checks are free to new Preferred Banking accounts only and not to converted accounts.

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