Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
S&T Bank · Checking account
S&T Smart Start Banking
$0 a year for an everyday customer. No monthly fee. $50 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer document · api.stbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · stbank.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonus
5 qualifying transactions within 90 days
S&T Smart Start Banking · S&T · for new customers
Ends Dec 31, 2026Meet it within 90 daysNew customers only
“Open a new Smart Start Banking account using the “open an account” button on this webpage between October 1 and December 31, 2026, make five debit card purchases posted and cleared within 90 calendar days of opening, and keep the account open with a balance greater than $0 on April 9, 2027 without e”The bank’s page, checked Nov 1, 2026
Features
- ATM fee rebates
- Budgeting tools
- Debit card
- Minor accounts
- No minimum balance
- Online opening
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- Noneapi.stbank.com, checked Nov 1, 2026
- Minimum to open
- $50stbank.com, checked Nov 1, 2026
- Overdraft fee
- $36api.stbank.com, checked Nov 1, 2026
- ATM network
- S&T Bank ATMsapi.stbank.com, checked Nov 1, 2026
- Out-of-network ATM fee
- Noneapi.stbank.com, checked Nov 1, 2026
- Incoming domestic wire
- $15api.stbank.com, checked Nov 1, 2026
- Outgoing domestic wire
- $25api.stbank.com, checked Nov 1, 2026
- Incoming international wire
- $22api.stbank.com, checked Nov 1, 2026
- Outgoing international wire
- $50api.stbank.com, checked Nov 1, 2026
- Paper statements
- $3 a monthapi.stbank.com, checked Nov 1, 2026
- Inactivity fee
- $10api.stbank.com, checked Nov 1, 2026
- Cashier’s check
- $10api.stbank.com, checked Nov 1, 2026
- Stop payment
- $36api.stbank.com, checked Nov 1, 2026
- Card replacement
- $7.50api.stbank.com, checked Nov 1, 2026
Who can open it
- Minimum age
- 18stbank.com, checked Nov 1, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees