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Preferred Banking

An account with exclusive features that save time & money.

Switching to S&T is as easy as 1...2...3

Open your account online or contact our Solution Center at 800.325.2265.  Once your account is opened, enroll in ClickSWITCH™ so that you can securely and easily move recurring payments and direct deposits to your new account in less than 10 minutes.

About This Account

  • Free anywhere ATMs1
  • An exclusive Debit Rewards Card that gives you cash back!2
  • Your first order of checks is free!3
  • Online4 and Mobile Banking5 with Free Mobile Deposit
  • Personal Finance
  • Preferred Savings account
  • Account available with interest6

There are three ways to qualify for an S&T Preferred Banking account:

  • Minimum daily balance of $1,000
  • Combined deposit balance and home loan outstanding balance of $25,000 or more 7
  • $10 monthly maintenance fee if one of the above balances is not met

A: The S&T Preferred Banking account is for anyone who wants to take advantage of great features, including mobile4 and online banking and the Debit Rewards Card2 -- which gives you cash back.

A: You have no worries about finding FREE ATMs. You get unlimited use of S&T Bank and other bank ATMs. We don't charge you to use another bank's ATM plus reimburses surcharge fees (fees charged by other banks to use their ATMs) per statement cycle.

A: Each time you purchase something using your Debit Rewards Card and just say “Credit,” you will receive 5 cents back from S&T Bank. Credit transactions are the type that may require your signature at the point of purchase. Funds are still deducted from your S&T Preferred Banking account and transactions are processed safely via the Visa network.


1 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 S&T Preferred Banking and Preferred Banking with Interest; 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.

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

4 If an online banking user is signed up for Billpay, one bill per month must be paid via S&T's online banking with billpay in order to avoid a fee.

5 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.

6 Preferred Banking with Interest is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. Rates may change at any time.

7 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.


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