Find an updated list of S&T Bank promotions, bonuses, and offers here.
Update 7/7/25: The $100 student checking & $300/$400 checking bonus is back through 9/30/25.
About S&T Bank Promotions
Established in 1902 and headquartered in Indiana, Pennsylvania, S&T Bank has grown to more than 60 locations throughout the state.
Please continue reading to learn more about S&T Bank promotions.
S&T Bank $300 & $400 Checking Bonus
Simply sign-up for a qualifying checking account at S&T Bank and meet all the requirements and you can earn a $300/$400 bonus.
- What you’ll get: $300 or $400 bonus
- $300 Bonus promo code STDIG5
- $300 Bonus (West Pennsylvania) promo code STWPA3Q25
- $400 Bonus (East Pennsylvania) promo code STEPA3Q25
- $300 Bonus (Ohio) promo code STOH3Q25
- Account Type: Checking
- Availability: OH, PA *Need to live close to a branch*
- Direct Deposit Requirement: Yes, $500+ 2X (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $100
- Monthly Fees: None, Select Banking has no fees
- Early Account Termination Fee: Must keep open for 6 months
- Household Limit: None
(Expires 09/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new consumer checking account.
- Make at least two direct deposits of $500+
- Get $300 bonus!
- To receive the incentive, open a new consumer checking account (excludes Smart Start Banking and Easy Banking) using the “open an account button” on this webpage between July 1, 2025 and September 30, 2025.
- Within 90 calendar days of opening, make at least two $500 qualifying direct deposits.
- 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, this account must remain open with a balance greater than $0 on October 13, 2025 and never be overdrawn.
- This offer is available to new consumer checking customers only.
- All existing S&T Bank consumer checking customers, owners or those with 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 as an owner.
- This offer cannot be used in combination with any other consumer checking offer.
- To qualify for the incentive, the promo code is required at account opening.
- The incentive will be deposited into your account on October 23, 2025, 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.
- Annual Percentage Yield (APY) for interest bearing accounts are variable and 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 April 1, 2025, and may change at any time. Fees could reduce earnings.
- Only Preferred, Four Star and Select Banking can be opened online.
- Visit your local branch or call our Solution Center at 800.325.2265 to open other eligible accounts.
S&T Bank $100 Student Checking Bonus
- What you’ll get: $100 bonus
- Account Type: Smart Start Student Checking
- Availability: OH, PA *Need to live close to a branch*
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $100
- Monthly Fees: None, Select Banking has no fees
- Early Account Termination Fee: Must keep open for 6 months
- Household Limit: None
(Expires 09/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To receive the incentive, open a new Smart Start Banking account between January 1, 2025 and March 31, 2025.
- Within 90 calendar days of opening, make five debit card purchases (posted and cleared) with your new S&T debit card.
- To receive the incentive, open a new Smart Start Banking account using the “open an account” button on this webpage between July 1, 2025 and September 30, 2025.
- 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 January 9, 2026, 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 15, 2026, 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.
S&T Bank $900 Business Checking Bonus (Expired)
S&T Bank is offering customers a chance to earn up to $900 bonus.
- What you’ll get: $900 bonus
- Account Type: Basic Business Checking
- Availability: OH, PA *Need to live close to a branch*
- Direct Deposit Requirement: None (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $100
- Monthly Fees: None
- Early Account Termination Fee: None listed
- Household Limit: None
(Expires 06/30/2025)
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To qualify for the $300 incentive, a new Basic Business Checking account must be funded with a $1,000 balance within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $1,000 or more on August 11, 2025.
- To qualify for the $600 incentive, a new Basic Business Checking Account must be funded with $25,000 within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $25,000 or more on August 11, 2025.
- Once qualifications have been met for the new Basic Business Checking account, business is able to qualify for an additional $300 incentive when a new S&T Payment Processing account is opened through Elavon between April 1, 2025 and June 30, 2025.
- To qualify for the $300 incentive, a new Basic Business Checking account must be funded with a $1,000 balance within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $1,000 or more on August 11, 2025. To qualify for the $600 incentive, a new Basic Business Checking Account must be funded with $25,000 within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $25,000 or more on August 11, 2025. Account must be opened between April 1, 2025 and June 30, 2025. Business must also apply, receive and activate an S&T Bank business debit card that is associated with the new Basic Business Checking account by August 11, 2025. Account will receive appropriate incentive on August 21, 2025. New account will not be eligible for offer if any signer has signing authority on an existing S&T Bank Business Checking account or has closed an account within the past 90 days or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the incentive. Estate accounts are not eligible for this promotion.
- Once qualifications have been met for the new Basic Business Checking account, business is able to qualify for an additional $300 incentive when a new S&T Payment Processing account is opened through Elavon between April 1, 2025 and June 30, 2025. Account must have accepted customer payments, settled and funded by Elavon and remain open through August 11, 2025, to receive the additional incentive on August 21, 2025, which will be credited to the S&T Basic Business Checking account. Limit one $300 incentive per merchant, regardless of the number of business locations. Business is subject to underwriting and approval by Elavon. Offer only available to merchants inside the United States. Elavon is a registered trademark in the United States and/or other countries. Incentives will be identified as “Cash Incentive” on your monthly statement. The value of the incentives may be reported on Internal Revenue Service (IRS) Form 1099 and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.
How To Waive Monthly Fees
- Preferred Banking: There is a $10 monthly maintenance fee if one of the above balance requirements are not met
- Select Banking: None
- Four Star Banking: Must maintain minimum daily balance of $1,000 in Four Star Banking checking account or combined deposit balance and home loan outstanding balance of $5,000 or more. Otherwise a $10 monthly maintenance fee.
- Interest Banking: There is a $10 monthly maintenance fee if one of the above balance requirements are not met.
- Smart Start Banking: None
- Easy Banking: None
- Account Analysis Checking: None listed
- Business Interest Checking: None listed
- Basic Business Checking: None
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Bottom Line
For the most part, the most difficult way to earn a bonus if you are familiar with our site is the direct deposit requirement. However, S&T Bank does not require you to set-up direct deposits to earn incredible bonuses. Additionally, the referral program is great because you can earn up to $500!
While they have a generous bonus, S&T Bank doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
Compare S&T Bank Promotions to other bank bonuses from Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back at this page for updated S&T Bank promotions, bonuses and offers.
I would love to bank with s&t bank
Do they have any new bank promos for new accounts at S & T Bank to replace the ones expired on 12/31/2020?
I’ve had nothing but difficulty with this bank since day one. Their online banking is abysmal. Would avoid.
“We are unable to process your application.”
No explanation provided.
Irritating. I live in the bank’s physical area too.
Thanks Josh. It has been updated. Do you know which credit bureau is this? maybe ChexSystems only?
Soft Pull. Allows funding up to $10,000 on a Visa or MasterCard (Credit or Debit) but coded as a cash advance.