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.

⁵To receive the incentive, open a new Smart Start Banking account using the “open an account” button on this webpage between July 1, 2025 and September 30, 2025. 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 January 9, 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 January 15, 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: STSS2025

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.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 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.