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S&T Bank

Popular Accounts at this Bank

1.00%5-year CD5 Year Growth/Income CD
0.15%1-year CD1 Year - < 2 Year Growth/Income CD
0.05%SavingsPassbook Savings

Overview / Commentary
800 Philadelphia Street
Indiana, PA 15701

S&T Bank is headquartered in Indiana and is the 9th largest bank in the state of Pennsylvania. It is also the 171st largest bank in the nation. It was established in 1902 and as of December of 2017, it had grown to 1,080 employees at 60 locations. S&T Bank's money market rates are 3X the national average, and it has an A health rating.

Related Posts

9-Month CD Special, 1.50% APY - 9/28/2017

Limited time special. Minimum deposit is $1,000. Maximum deposit amount is $500,000 per household. Open deposit amount must be new money to the bank. New monies are defined as money that is not currently at S&T Bank and has not been on deposit within the past 90 days. https://www.stbank.com/Documents/current-specials.pdf

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Reviews (8)

20 Years Plus With Stbank

Posted by: curt12345 | 11 hours ago

Most of the rating here are from transplants. Whlle STBank is not perfect, its def not the worst bank, nor does it deserve such a low rating.

The good with STBank is the online website, easy to pay bills, pay people, they have a great Money Market Rate, most branches are good, a few arent. They are stable, they arent too big and always take care of anything that happens, scammers hacked my bank card account and racked thousands of dollars in charges, they took care of it fast and it didnt impact me at all.

The bad is some BS charges, you need to get the right checking account to avoid charges, get online statements, ect. Most of the complaints are common charges from local, brick and mortar banks, STBank might be alil more.

The call center is not great, I have called many times, and they seem to have comm gap between them and local branches, people make mistakes, but the call center isnt the best. Their loan rates arent always the best either but they have good promo deals on cd's and loans, their money market rate is excellent for a local bank, best around.

Not enough branches in my area, this is what has made me want to change but the money market rate is so good now, I am staying.

Construction Loan

Posted by: mmangus | Sep 9, 2016

Wow! I should have known.......this bank bought one of the worst, most unethical banks (Integrity Bank) in central PA and they seem to be following in their footsteps.

This bank is absolutely terrible just like Integrity Bank! I had a construction loan with Integrity Bank and they paid the builder without my knowledge or authorization and the builder never completed the home.

They should have a sign that says bank at your own risk! Terrible, terrible, terrible!!!

Bad Business

I started my first account at Irwin Bank when I was 10, then it got bought out by S&T. Since then it has been a nightmare. Everything that you do has a fee. If yoi use their app, fee, if you deposit a mobile check, fee........ another shady thing I noticed. Recently I was adding up my withdrawals and deposits and my number cannot seem to match what they claim I have in my account. Their number is almost $100 off. Their customer service is horrible, they tell you to go see a branch about an incident when you get there...oh yeah there is a fee for that. I have an account with PNC as well and I have never had issues with them. S&T is a bad bank to go with. You can't save with them either. I opened a savings account and boom monthly paper statement fee....wait a minute first off I don't get paper statements and second.... $2 for a piece of paper? Yeah they make money watching those who don't much suffer.
Almost forgot to mention.... if your account gets hacked into they never inform you. You find out yourself when you go to use your card at a restaurant and it gets declined. They let you get humiliated and make you feel like a loser. Then when you call them and ask where your money is that's when they tell you they locked your account because of the hack. Usually banks call you and tell you, nope they like to make people feel like they are stupid.

Bad Experience Since The Change From Integrity

Posted by: sandyc1115 | Jun 5, 2015

when this bank was integrity it was awesome! since its s&t its horrible. they wack you PER mobile deposit! im closing what WAS a FREE account

Terrible Customer Service Terrible Mgt

Posted by: dalfonso1 | Apr 22, 2015

I was overdrawn by $2.68 and had a 4 small transactions totaling $21 pending at the time. $210 in overdraft charges?????????????????????????????????
Miraculously all the pending transactions happen to come out after my overdraft cleared. I can clearly see how they manipulate your acct. I closed my acct today without being asked an explanation why I chose to close my acct. I guess this is an everyday occurrence for S&T customers to go elsewhere. Between my wife and I we have 7 accts with S&T and will be closing them down ASAP!!!!

What A Hassle

I would advise you to take your money elsewhere. I attempted to contact the bank about an issue with spending allowance and got hung up on multiple times, online and mobile, and still haven't solved my issue. They will tell you one thing and do another. I recommend FNB or PNC. This is just not a good place to go, unless you're starting out and want a leash to control your own spending.

Constant Realignment Of Debits

I was a Peoples Bank of Unity customer all my life.  Then about 20 years ago S&T bought People Bank and I continued there.  Now that I do so much online banking I'm seeing there's constantly a realignment of debits.  We are paycheck to paycheck people.  We always pay our bills, but sometimes things come up or one of us uses the debit card and forgets to mark something.  I've noticed a number of times when I look at our balance on a Thursday night...maybe 11:00 p.m. there is a positive balance.  Paychecks typically come in sometime in the early hours Friday morning.  When I look at 6 a.m. to be sure paychecks are in I'll see that there is an overdraft fee for something (now this doesn't happen all the time, but maybe once a year).  Then I'll look later and see multiple overdraft fees.  I'll notice that the largest payment has been moved down and smaller, less significant payments are moved up.  They cover the largest first (with the nonsense line that "it's the most important so it's covered first" ) Instead of one overdraft fee I've had up to five.  I've questioned this practice.  No help.  No satisfaction.  I've noticed that other banks have been sued for this practice.  I'm waiting for S&T to be sued.  In a time where people are having a very difficult time they are no help.  Suddenly this past January we all suffered a tax increase that decreased our own pays by almost $200.  They don't care.  They have been no help. 

Not A Smooth Transition--Not Geared Toward Customer Service

Gateway Bank, a small local bank, has now become S&T Bank.  It has been a very rough transition, to say the least.  We used Gateway Bank for our law office banking, and I had a personal checking and home equity loan there.  Let's start with our office's experience.  We were never provided with the folder of information to help through the transition, and were only given a week's notice of when S&T would go "live" with our accounts.  The customer service reps at S&T bank seemed to appear indignant that we were not totally prepared, even though they hadn't gotten the information to us to prepare, i.e., with our payroll service, nor did they offer to assist with this process, and indicated they were "hopeful" our first paychecks would clear.  This left our employees unsure as to whether their paychecks would be processed in a timely fashion.  Luckily, they were.  My personal experience was setting up my online banking.  I tried it three times, unsuccessfully, and eventually called the dreaded customer service number. After being on hold for a while, the rep did get me into the online banking system, and I asked her what I had done wrong.  She said I had done nothing wrong, but it's very common to have to call in to have them do the last step.  I asked why they didn't reveal that little gem of information online, and she said it's because some customers don't have to call to get it working.  Now I look at my home equity loan statement, and there was more interest applied (as opposed to principal) than when I first got the loan!  Back to the dreaded customer service line.  I'm now waiting for a return call with an explanation.  Think I'll get one???  My next call is to First National Bank to get my home equity loan refinanced--away from S&T!


Health Grade Components

FDIC Certificate #11124
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD8.69%
Annual Interest Income$260.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$7.04B$6.92B
LoansQ4 2017vs Q4 2016$5.71B$5.56B
DepositsQ4 2017vs Q4 2016$5.45B$5.29B
Equity CapitalQ4 2017vs Q4 2016$857.3MM$819.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$56.4MM$52.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$23.6MM$42.4MM
Real Estate OwnedQ4 2017vs Q4 2016$461.00K$659.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

S&T Bank Savings Account Rates

1.66%--IRA Variable Rate Savings
0.30%*$200*$100kSavings & More Account
OTHER TIERS: 0.05% $100k+
0.10%--Premium Holiday Savings Club
0.10%--My Choice Savings Account
0.05%--Statement Savings Account
0.05%$200-Overdraft Protection Savings Account
0.05%$200-Passbook Savings
0.05%--Moola Moola Passbook Savings

S&T Bank Money Market Rates

1.13%--Rate Tracker Money Market Promo (New Money)
0.25%*$1m*-Cash Management Account
OTHER TIERS: 0.05% $5k - $100k | 0.10% $100k - $1mm
0.10%*$75k*-Regular MMA
OTHER TIERS: 0.05% $1k - $75k
0.10%*$75k*-Money Market & Four Star Accounts
OTHER TIERS: 0.05% Up to $75k

S&T Bank Checking Account Rates

0.15%--Checking & More with Interest Account
0.01%--Interest Checking Account
0.01%--Checking & Four Stars

S&T Bank CD Rates

2.25%$1k-50 Month CD Time Deposit
2.10%$1k-25 Month CD Time Deposit w/ Relationship Special
2.00%$1k$250k25 Month CD Time Deposit Special
1.66%$500-12 Month S&T - Bill CD
1.66%$250-12 Month Smart Start S&T - Bill CD
1.00%$500$500k5 Year Growth/Income CD
0.75%$500$500k4 Year - < 5 Year Growth/Income CD
0.75%$1k$500k12 Month Penalty Free CD Promotion
0.50%$1k$500k10 Month Quick Cash CD
0.45%$500$500k3 Year - < 4 Year Growth/Income CD
0.35%$500$500k2 Year - < 3 Year Growth/Income CD
0.15%$1k$500k90 Day - 181 Day Growth/Income CD
0.15%$1k$500k6 Month - 12 Month Growth/Income CD
0.15%$500$500k1 Year - < 2 Year Growth/Income CD
0.05%$75k$500k7 Day - 31 Day Growth/Income CD
0.05%$75k$500k32 Day - 89 Day Growth/Income CD

S&T Bank IRA Rates

2.25%$1k-50 Month IRA Time Deposit
2.10%$1k-25 Month IRA Time Deposit w/ Relationship
2.00%$1k-25 Month IRA Time Deposit
1.00%$500$500k5 Year IRA CD
0.75%$500$500k4 Year - < 5 Year IRA CD
0.75%$1k-12 Month Penalty Free IRA Promotion
0.50%$1k$250k10 Month Quick Cash IRA CD
0.45%$500$500k3 Year - < 4 Year IRA CD
0.35%$500$500k2 Year - < 3 Year IRA CD
0.15%$1k$500k6 Month IRA CD
0.15%$500$500k1 Year - < 2 Year IRA CD