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¹To receive the $300 incentive, open a new personal checking account (excluding Smart Start Banking and Easy Banking) between July 1, 2026 and September 30, 2026 using the appropriate account opening button on this webpage. To receive the $350 incentive, open a Preferred Banking account between July 1, 2026 and September 30, 2026. In order to receive either incentive, make at least two $500 qualifying direct deposits within 90 calendar days of opening the checking account. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, S&T Bank deposit account transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. To receive the incentive, the checking account must remain open with a balance greater than $0 on January 8, 2027 and never be overdrawn. Annual Percentage Yield (APY) for interest bearing accounts are variable as follows: Preferred Banking with Interest (0.03% APY), Four Star Banking with Interest (0.01% APY) and Interest checking (0.01% APY). Rates are accurate as of July 1, 2026, and may change at any time. Fees could reduce earnings.

²Once qualifications have been met for the new personal checking account (excluding Smart Start Banking and Easy Banking), customer is able to qualify for an additional incentive when a new Statement Savings account is opened and funded between July 1, 2026 and September 30, 2026. To qualify for the $100 incentive, the new Statement Savings account must be funded with a minimum of $2,000 of new money and remain open with a balance at or greater than $2,000 on January 8, 2027. New money to the Bank means that money has not been on deposit at S&T Bank within the past 30 days. Annual Percentage Yield (APY) for interest bearing accounts are variable and as follows: Statement Savings (0.01% APY). Rates are accurate as of July 1, 2026, and may change at any time. Fees could reduce earnings.

³Once qualifications have been met for the new Preferred Banking account, customer is able to qualify for an additional incentive when a new Preferred Savings account is opened and funded between July 1, 2026 and September 30, 2026. To qualify for the $150 incentive, the new Preferred Savings account must be funded with a minimum of $5,000 of new money and remain open with a balance at or greater than $5,000 on January 8, 2027. To qualify for the $250 incentive, the new account must be funded with a minimum of $10,000 of new money and remain open with a balance at or greater than $10,000 on January 8, 2027. New money to the Bank means that money has not been on deposit at S&T Bank within the past 30 days. Annual Percentage Yield (APY) for interest bearing accounts are variable and as follows: Preferred Savings Account with a balance of less than or equal to $100,000 is 0.05% APY. Balances of $100,000.01 and above are 0.01% APY. Rates are accurate as of July 1, 2026, and may change at any time. Fees could reduce earnings.

This offer is available to new personal savings customers only. All existing S&T Bank personal savings customers, owners or those with signing authority on any other S&T personal savings account or those who closed a savings 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 as an owner. This offer cannot be used in combination with any other personal savings offer. To qualify for the incentive, the promo code is required at account opening. The incentive will be deposited into your account on January 14, 2027, 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: STAOC3Q26

Only Four Star Banking, Preferred Banking, Preferred Savings, Select Banking and Statement Savings can be opened online. Visit your local branch or call our Solution Center at 800.325.2265 to open other eligible accounts.

⁴To qualify for the $400 incentive, a new Basic Business Checking account must be funded with a $2,000 balance within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $2,000 or more on November 2, 2026. To qualify for the $600 incentive, a new Basic Business Checking account must be funded with $25,000 within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $25,000 or more on November 2, 2026. Account must be opened between July 1, 2026 and September 30, 2026. Account will receive appropriate incentive on November 12, 2026. New account will not be eligible for offer if any signer has signing authority on an existing S&T Bank Business Checking account or has closed a business checking account within the past 90 days or has been paid a business checking promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the incentive. Estate accounts are not eligible for this promotion.

⁵Once qualifications have been met for the new Basic Business Checking account, business is able to qualify for an additional $300 incentive an S&T Positive Pay and/or ACH Positive Pay solution is established on the new Basic Business Checking account. Positive Pay or ACH Positive Pay must be activated by November 2, 2026, to receive the additional incentive on November 12, 2026, which will be credited to the S&T Basic Business Checking account. Limit one $300 incentive per business, regardless of the number of Positive Pay or ACH Positive Pay solutions added.

Incentives will be identified as “Cash Incentive” on your monthly statement. The value of the incentives may be reported on Internal Revenue Service (IRS) Form 1099 and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

⁶The person making the referral (Referrer) and the individual being referred (Referred Person) will each earn $100 if the requirements are met as set forth within the “Referred Person” section below.

Receiving Text Messages and Emails:  Referrer agrees that by providing their mobile phone number and email address they are agreeing to the receipt of text messages and emails from the Royal Referral Center site. 

Referrer:  To make a referral, the Referrer must have a personal checking account at S&T Bank, register for the program online at https://stbank.royalreferralcenter.com and submit a valid email address and phone number for both themselves and each Referred Person. A Referrer may receive up $500 in deposits within a calendar year. The Referrer acknowledges the incentive will not be issued until all conditions have been met in the timeframes provided. If more than one Referrer refers the same Referred Person, only the first Referrer who enters information for a Referred Person will receive a $100 incentive if the Referred Person fulfills the requirements.

Referred Person: To earn the $100 incentive, the Referred Person must open a new S&T Bank personal checking account within 90 days of receiving the email or text offer through the referral program, and meet the following requirements:

• Make at least two $500 qualifying direct deposits within 90 calendar days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, S&T Bank deposit account transfers or other electronic money transfers, such as those made through internet payment services, do not qualify.
• The account cannot be overdrawn during the 90-calendar day period after account opening. The account must be open to receive the $100 incentive.

The Referred Person may only receive one $100 incentive for opening a personal checking account and completing the requirements but may also be eligible as a Referrer.

All existing S&T Bank personal checking customers, owners, or those with signing authority on any other S&T personal checking account or those who closed a personal 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 personal checking account as an owner.

Email Address and Phone Number: When opening a S&T Bank personal checking account, the Referred Person must provide the same email address and mobile phone number entered in the Royal Referral Center Site by the Referrer.

Deposit Account Disclosures:  All deposit accounts are subject to the S&T Bank Deposit Account Agreement and Disclosures.  These can be found at: stbank.com/accountdisclosures/.

Opt Out:  A referrer who registers through the Royal Referral authorizes future communications, including emails regarding the program unless they “opt out” by making an election by email.

Other Rewards:  The Referrer will earn a $5 (five) dollar gift card to Starbucks® Coffee for every ten (10) referrals made within the Royal Referral Center Site. Starbucks® rewards will be delivered instantly as a code to the Referrer’s email address provided once the ten (10) referrals have been made. There is a limit of five (5) Starbucks® Coffee gift cards a Referrer may earn each calendar year.

Age Limitations:  Referrer and Referred Persons are required to be 18 years or older.

Other Limitations:  This offer may not be combined with other offers. This offer may end or be changed without notice. All personal checking account applications are subject to S&T Bank approval. S&T Bancorp employees are not eligible to participate. Processing and delivery of the incentive may take an additional 4-6 weeks after all conditions have been met. The incentive will be direct deposited into the appropriate personal checking account.