& welcome to your independent era.

¹To receive the incentive, open a new Smart Start Banking account using the “open an account” button on this webpage between July 1, 2026 and September 30, 2026. 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 consumer 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 January 8, 2027, 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 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: STSS2026

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.

⁵For every Smart Start Banking account opened between August 1 – August 31, 2026, S&T Bank will donate $100 (up to $20,000) to Children’s Hospital of Pittsburgh, PA through 102.5 WDVE Rocks Children’s Radiothon.