They're Ready to Take the Wheel

Give them financial independence and yourself peace of mind with Smart Start Banking.

1To receive the incentive, open a new Smart Start Banking account between January 1 and March 29, 2024. 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 July 5, 2024, 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 July 11, 2024, 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.

2Unlimited 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.

3Mobile 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.

Smart Start Banking Account Details

You can have all the banking bases covered in one comprehensive package that’s easy and convenient to use and offers great
value with perks and freebies, too.

  • Ages 14-24

    This account is available to students ages 14-24. Must be opened in branch with legal guardian.

  • Debit Card

    Our debit card takes convenience to an all time high by allowing you to pay for your purchases wherever Visa® is accepted.

  • Online & Mobile Banking3

    Gain access to our online platform and mobile banking app for 24/7 access every day of the year.

Happy multi-ethnic college friends having fun after the lecture and communicating while walking at campus.

Flying Solo For the First Time

Help your teens spread their wings and soar with S&T.

  • No minimum daily balance required
  • No monthly maintenance fees
  • Free ATMs anywhere2

Open a Smart Start Banking account and you could earn $100.

Female student carrying her books and notebooks while giving high fives to her college friend

Smart Start Scholarship

We are now accepting applications for our Smart Start Scholarship.4

  • $2,500 for one year of full-time study
  • Awarded to ten Smart Start Banking customers
  • Apply by April 1, 2024
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