Estate planning at S&T Bank
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 has 20 accounts, each with different rules for what happens when the account holder dies. Of those, 15 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
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.
There are two sides to estate planning at S&T Bank: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
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
Death claim process
6-step process, 6 required documents, and contact information for survivors.
View details →Because S&T Bank serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. S&T Bank serves as trustee, co-trustee, and successor trustee for both revocable and irrevocable trusts, including special needs trusts. The bank also accepts appointment as executor when named by a decedent, and accepts appointment by the Orphan's Court as administrator or financial guardian for minors or incapacitated individuals. Contact S&T Wealth Management at 800-446-0246 for corporate fiduciary services.
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 applies when S&T Bank serves as corporate trustee for your trust.
Call the S&T Solution Center at 800.325.2265 (Monday-Friday 7 AM-7 PM, Saturday 8 AM-3 PM, Sunday 10 AM-3 PM ET) or visit a local branch. You will need your government-issued photo ID and the beneficiary's full legal name, date of birth, and relationship. Per the Deposit Account Agreement, named beneficiaries receive funds only after all required legal documents are delivered to the bank.
Yes. Checking, savings, money market, and CD accounts can be retitled to a revocable living trust. Visit a branch or call 800.325.2265 with your trust agreement or Certification of Trust, government-issued ID, and your trust's tax identification number. IRAs offered through S&T Financial Services (Ameriprise Financial) cannot be retitled to a trust, but a trust can be named as beneficiary.
Sources
Data sourced from S&T Bank primary sources (29 pages reviewed). How we research.
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
Estate planning articles
Learn how to protect your S&T Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
