Smart Start Banking

Smart Start Banking Checking Account

Get Started the Right Way

Designed for students and teens to dive confidently into the world of personal finance.

  • No minimum daily balance required
  • No monthly maintenance fees
  • Free ATMs anywhere1

Helping Children Together.

During August, S&T pledged to donate $1005 to Children’s Hospital of Pittsburgh for every Smart Start Banking account opened. With your help, we were able to donate $20,000! S&T Bank President, Dave Antolik, joined WDVE to talk about the team effort.

Smart Start Banking Checking Account Details

You can have all the banking bases covered in one comprehensive package that’s easy and convenient to use and offers great value with perks and freebies, too.

  • Ages 14-24

    This account is available to students aged 14-24. Must be opened in branch with legal guardian.

  • Debit Card

    Our debit card takes convenience to an all-time high by allowing you to pay for your purchases wherever Visa® is accepted.

  • Online & Mobile2 Banking

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


Get the Money You Need for School

Wherever you are in your higher education, get the money you need for school. Student loans from S&T Bank in partnership with Sallie Mae® could help!

Sallie Mae® student loans are designed for the needs of all types of students.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty3


College Payment Information

College plans in your future? Read about options to help make it a reality.


Yes. In S&T Bank online and mobile banking solutions, we provide a Personal Finance tool that allows our customers to create a budget, set goals, manage and track spending, and identify trends to help you determine when you’ll be debt free.

Yes. S&T Bank utilizes Zelle, a fast, safe way to send money to friends, family, or others you trust. Simply log into our mobile app, select “send Money with Zelle”, enroll your US mobile number or email address, and send money to your friends and family from your account.

The minimum amount required to open a SmartStart Banking Checking account is $50.

1Unlimited 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 Smart Start 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.

2Mobile 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

4Employees of S&T Bank, its affiliates, subsidiaries, dealers, distributors, retailers, advertising and production agencies, their immediate families and those living in the same household, are not eligible to apply for the scholarship. S&T Bank may suspend, change or terminate this program at any time. The interpretation, application and administration of the program shall be determined by the Student Scholarship Committee, whose decision is final.

Sallie Mae Disclosures

Borrow responsibly.

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. S&T Bank is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Applications are subject to a requested minimum loan amount of $1,000.  Current credit and other eligibility criteria apply.  Click here for additional eligibility information about each product.

3Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


© 2023 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.



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