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Contact S&T Bank — 10-step process, 6 required documents, and varies based on account type and documentation. joint accounts and pod accounts may be processed more quickly. probated estates depend on court timelines.
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
When a S&T Bank account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with S&T Bank's Death Claims / Solution Center (1-724-349-1800) to access and distribute the funds.
The claim process can be initiated by phone at 1-724-349-1800 or by sending documentation to solutioncenter.service@stbank.com. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Here is the step-by-step death claim process at S&T Bank:
Per the S&T Bank Deposit Account Agreement: in the event of death of any person named on an account, the bank may treat the account as the sole property of any surviving person(s) named on the account. For time deposit accounts, upon receipt of notice of death, the bank may freeze the account until all necessary legal documents have been delivered or a court orders disposition. The bank will not release funds until all required legal documents have been received, and checks are made payable to all beneficiaries.
Processing timelines at S&T Bank: Varies based on account type and documentation. Joint accounts and POD accounts may be processed more quickly. Probated estates depend on court timelines.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
S&T Bank requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration (if court-appointed executor or administrator), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Visit your local S&T Bank branch or call the Solution Center at 800.325.2265 to add a POD (Payable on Death) beneficiary to your deposit account. Bring government-issued photo ID and your beneficiary's full legal name, date of birth, and relationship. Most personal checking, savings, CD, and money market accounts are eligible for POD designations.
The process depends on how the account is titled. Joint accounts with rights of survivorship pass to the surviving account holder. Accounts with a named POD beneficiary pass to the beneficiary upon providing a death certificate and ID. Accounts held in a trust pass according to the trust terms. All other accounts require probate and Letters Testamentary or Letters of Administration. For time deposit accounts (CDs), the bank may freeze the account until all legal documents are received.
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 to provide a certified death certificate, your government-issued photo ID, and your relationship to the deceased.
The mortgage obligation does not disappear at death. Under the federal Garn-St. Germain Act (12 U.S.C. 1701j-3), S&T Bank cannot call the loan due or accelerate payments when the property transfers to a surviving spouse, child, or the borrower's revocable trust. Heirs should contact S&T Bank promptly at 800.325.2265 to discuss options including continued payments, loan assumption, refinancing, or payoff.
S&T Bank's Death Claims / Solution Center can be reached by phone at 1-800-325-2265, email at solutioncenter.service@stbank.com, and fax at 724-465-6874 for questions throughout the claims process.
If the deceased held multiple S&T Bank accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Solution Center can confirm which accounts require individual attention and which can be processed together.
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
Calculators and checklists to help navigate estate settlement after a S&T Bank account holder passes away.
Get a personalized checklist for settling an estate after someone passes away. Covers trust administration, probate, and intestate estates.
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Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
Answer a few questions to find out if an estate needs full probate, qualifies for simplified probate, or can avoid probate entirely with a small estate affidavit.
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.