Brighter banking starts with $400.¹

¹To receive the incentive, open a new consumer checking account (excludes Smart Start Banking and Easy Banking) between July 1, 2025 and September 30, 2025. Within 90 calendar days of opening, make at least two $500 qualifying direct deposits. 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, this account must remain open with a balance greater than $0 on January 12, 2026 and never be overdrawn. This offer is available to new consumer checking customers only. All existing S&T Bank consumer checking customers, owners or those with 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 as an owner. This offer cannot be used in combination with any other consumer checking offer. To qualify for the incentive, the promo code is required at account opening. The incentive will be deposited into 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. Annual Percentage Yield (APY) for interest bearing accounts are variable and 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, 2025, and may change at any time. Fees could reduce earnings.

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

Promo Code: STEPA3Q25

²Minimum daily balance and balance requirements:

Preferred Banking -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 management fee applies 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.

³Four Star Banking-Must maintain minimum daily balance of $1,000 in Four Star Banking checking account or combined deposit balance and home loan outstanding balance of $5,000 or more, otherwise a $10 monthly maintenance fee applies 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.

⁴$.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.

⁵Unlimited 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.

⁶First order of Preferred Banking checks are free to new Preferred Banking accounts only and not to converted accounts.

⁷Mobile 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.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.