Preparing your S&T Bank accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.

S&T Bank offers 20 accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.

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1Visit your local S&T Bank branch

2Bring government-issued photo ID

3Provide beneficiary details: full legal name, date of birth, and relationship

4Specify percentage allocation if naming multiple beneficiaries

5Review and sign the POD beneficiary designation form with a banker

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

Named beneficiaries on deposit accounts override your will
Per S&T deposit account agreement: when the account holder dies, the beneficiary or their legal representative can withdraw the balance after all required legal documents are provided
S&T Bank will not release funds until all required legal documents have been delivered; checks are made payable to all beneficiaries