S&T Bank logo

S&T Bank in Indiana, PA

No stored Google rating available.

S&T Bank is a community-focused bank offering checking, savings, CDs, and digital banking services with mobile and online account management.

Data compiled from public sources

S&T Bank Review

S&T Bank positions itself as a relationship-driven community bank committed to supporting local communities through accessible financial services. The institution offers a comprehensive suite of retail banking products including checking accounts, savings accounts, certificates of deposit, and personal loans, with an emphasis on digital accessibility and customer service. The bank's product offerings span traditional deposit accounts (checking and savings) with some accounts earning interest, certificates of deposit with rate claims to verify, personal lending options, and robust digital banking tools.

Customers can access services through physical branch locations, ATMs on the Cirrus, NYCE, and Visa networks, and comprehensive online and mobile platforms. The bank actively promotes its mobile app and online banking as primary channels for account management. S&T Bank distinguishes itself through emphasis on community engagement, financial planning services, and digital-first banking features including mobile check deposit, Zelle integration, digital wallet support (Apple Pay, Google Pay, Samsung Pay), and a personal finance tool for cross-institution account tracking.

The bank offers account switching assistance through their ClickSWITCH program and provides new customer incentives (up to $500 for opening checking and savings accounts). They also feature a dedicated learning center and financial planning services aimed at helping customers reach long-term goals. As a regional community bank, S&T Bank provides standard banking services without specialty products like investment accounts or credit cards visible on their homepage.

The company appears solvent and legitimately established, though the profile is limited to publicly available homepage information. Prospective customers should verify specific product terms, fee structures, and current interest rates directly, as these details are not fully disclosed on the main website.

Services & Features

Certificates of Deposit with competitive rates
Debit card access with Cirrus, NYCE, and Visa ATM networks
Digital wallet integration (Apple Pay, Google Pay, Samsung Pay)
Financial planning services
Mobile banking app with balance viewing and fund transfers
Mobile check deposit
Online bill payment and payee management
Peer-to-peer payments via Zelle
Personal Finance Tool for multi-institution account tracking
Personal checking accounts with interest-earning options
Personal loans
Savings accounts for various goals including college and retirement

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Mobile check deposit capability for convenient account funding
  • Integration with Zelle for peer-to-peer money transfers
  • Digital wallet support across Apple Pay, Google Pay, and Samsung Pay
  • Personal Finance Tool allowing cross-institution account tracking and budgeting
  • ClickSWITCH program to simplify switching accounts from other banks
  • New customer incentive of up to $500 for opening checking and savings accounts
  • Interest-bearing checking account options available

Cons

  • Website does not disclose specific interest rates, APYs, or fee schedules for any products
  • Limited transparency on personal loan terms, rates, and eligibility requirements
  • No information provided about minimum balance requirements or monthly account fees
  • Geographic availability and branch network not clearly detailed on homepage
  • No credit card products mentioned, limiting rewards and financing options

State Consumer Finance Context

This is state-level context for Banks consumers in Indiana, PA. It does not confirm that S&T Bank or this specific location is licensed.

State regulator

Pennsylvania Department of Banking and Securities

Key state rules to check

  • Payday lending is banned; the state's usury cap of 6% (24% for licensed lenders) prevents it.
  • Licensed consumer discount companies regulated under the Consumer Discount Company Act.
  • The Pennsylvania Unfair Trade Practices and Consumer Protection Law prohibits deceptive lending.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

S&T Bank processed 4,240 mortgage applications in 2023, with 73.1% recorded as approved across 26 states.

4,240

Applications

73.1%

Approval Rate

$242K

Avg Loan

26

States Served

Approval Rate by Applicant Income

Under $50K
56.8%
$50K–$100K
70.5%
$100K–$200K
77.2%
Over $200K
83.5%

Based on 4,240 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Pennsylvania 3,646 apps · 68.5%
Ohio 277 apps · 72.6%
New Jersey 76 apps · 71.1%
Maryland 58 apps · 87.9%
Florida 29 apps · 69%
Delaware 15 apps · 66.7%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does S&T Bank offer?

S&T Bank offers 12 services including Personal checking accounts with interest-earning options, Savings accounts for various goals including college and retirement, Certificates of Deposit with competitive rates, Personal loans, Mobile banking app with balance viewing and fund transfers, and 7 more.

What profile signals are listed for S&T Bank?

S&T Bank has profile signals associated with Community-minded customers seeking relationship-based banking with local engagement, Mobile-first users wanting robust digital banking with check deposit and digital wallets, Customers switching from other banks who want streamlined account migration assistance, Savers looking for competitive CD rates or interest-bearing checking accounts.

What are the strengths and weaknesses of S&T Bank?

Key strengths: Mobile check deposit capability for convenient account funding; Integration with Zelle for peer-to-peer money transfers; Digital wallet support across Apple Pay, Google Pay, and Samsung Pay. Areas to consider: Website does not disclose specific interest rates, APYs, or fee schedules for any products; Limited transparency on personal loan terms, rates, and eligibility requirements.

How does S&T Bank compare to similar companies?

In the Banks category, comparable providers include American Bank, Philadelphia Letter Carriers, Tioga Franklin Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1902
Headquarters
Indiana, PA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #11124
Visit S&T Bank

CreditDoc Profile Note

Research Note on S&T Bank

S&T Bank is profile signals for community-oriented customers seeking accessible digital banking with traditional products like checking, savings, and CDs. The main caveat is that critical product details including rates, fees, terms, and eligibility requirements are not disclosed on the public website and must be obtained directly from the bank.

Profile Signals

  • Community-minded customers seeking relationship-based banking with local engagement
  • Mobile-first users wanting robust digital banking with check deposit and digital wallets
  • Customers switching from other banks who want streamlined account migration assistance
  • Savers looking for competitive CD rates or interest-bearing checking accounts
Updated 2026-05-08

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Philadelphia Letter Carriers logo

Philadelphia Letter Carriers

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Tioga Franklin Savings Bank logo

Tioga Franklin Savings Bank

Tioga Franklin Savings Bank is a Philadelphia-based full-service bank offering personal and business checking, savings accounts, CDs, and loan services with competitive promotional rates.

5.0/5

Google rating from 9 reviews

BBB: NR

Profile signals: Philadelphia-area residents seeking traditional community bank checking and savings accounts, Savers with $10,000+ available for CD laddering at rate claims to verify

Compare Your Needs With S&T Bank

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Quick Summary

  • S&T Bank is listed as a Banks provider in Indiana, PA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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