& stretch out the summer with $600.^1,3

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.