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How to protect 20 S&T Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
S&T Bank, P.O. Box 190, Indiana, PA 15701
S&T Bank, P.O. Box 190, Indiana, PA 15701
Death Claims / Solution Center
S&T Bank, P.O. Box 190, Indiana, PA 15701
S&T Bank offers 20 consumer accounts that interact with estate planning in distinct ways. Of those, 15 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
S&T Bank handles beneficiary designations in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
S&T Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
How to update beneficiaries in-branch, fund a trust in-branch, and review 20 account types at S&T Bank.
View details →When someone dies
10-step process, 6 required documents, and contact information for survivors.
View details →S&T Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
S&T Bank does not currently offer the ability to add or update POD beneficiary designations online for deposit accounts. You must visit a branch or contact the Solution Center at 800.325.2265 to make changes to your beneficiary designations.
Visit your local S&T Bank branch with your trust agreement or Certification of Trust, government-issued photo ID for each trustee, and the trust tax identification number (EIN or SSN for revocable trusts). A banker will complete the retitling paperwork. For retirement accounts (IRAs), you cannot retitle to a trust but can name the trust as beneficiary.
Yes. S&T Bank serves as trustee, co-trustee, and successor trustee for revocable and irrevocable trusts, including special needs trusts. The bank also serves as executor when appointed by decedents and accepts appointment by the Orphan's Court as administrator. S&T also serves as financial guardian when appointed by the court for minors or incapacitated individuals. Four Star Banking customers receive a 10% discount on first-year trust services fees.
Four Star Banking customers, designed for adults age 50 and older, receive a 10% discount on S&T Wealth Management's trust services first-year fees. This discount applies when S&T Bank serves as trustee for your trust.
IRAs cannot be titled to a trust. However, you can name your trust as the beneficiary of your IRA through S&T Financial Services (Ameriprise Financial). Consult a tax advisor before doing this, as there are significant tax implications for distributions to trust beneficiaries.
S&T Bank, P.O. Box 190, Indiana, PA 15701
S&T Bank, P.O. Box 190, Indiana, PA 15701
Death Claims / Solution Center
S&T Bank, P.O. Box 190, Indiana, PA 15701
Tools and documents to help protect your S&T Bank accounts.
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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