How to name beneficiaries and fund a trust at S&T Bank
Beneficiaries are managed in branch or by phone. Trust paperwork is taken in branch or by phone
Estate planning for your S&T Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
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.
No beneficiary form at S&T Bank
Beneficiaries are named in branch or by phone.
- One government-issued photo ID, such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address
- One government-issued photo ID, such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address
Required Documents
- Government-issued photo ID (for each signer). Such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address (for each signer)
- One government-issued photo ID, such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address
- One government-issued photo ID, such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address
Required Documents
- Government-issued photo ID (for each signer). Such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address (for each signer)
- Copy of the trust indenture (if S&T asks for it)
- Trust resolutions or certificate. Each trustee certifies that the resolutions or certificate provided to S&T are true, complete and accurate
- One government-issued photo ID, such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address
- One government-issued photo ID, such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address
Required Documents
- Government-issued photo ID (for each signer). Such as a valid U.S. driver's license or passport
- Tax ID number, date of birth and current address (for each signer)
What S&T Bank says about beneficiaries and trusts
Each section is S&T Bank's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- Payable-on-death account
When the owner of an account with a named beneficiary dies, the beneficiary or the beneficiary's legal representative can withdraw the balance.1
What S&T Bank's agreement says about beneficiaries1
- What the owner keeps while living
While living, the owner of an account with a named beneficiary can withdraw the money or close the account.1
What S&T Bank says about trust accounts2
- Whether a new account is opened
The trust opens a deposit account in its own name. The trustee certification in the Deposit Account Agreement covers opening and maintaining that account.1
- Review of the trust document
S&T may, but is not required to, ask for a copy of the trust indenture before opening the account.1
Not in S&T Bank's published guidance4
- A beneficiary designation form
- An online way to name a beneficiary
- Beneficiary designation procedure
- Rule for retitling an existing account to a trust
Sources2
Sources
Data sourced from S&T Bank primary sources (26 pages reviewed). How we research.
Download these S&T Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against S&T Bank primary sources. Bring it to the branch or keep it beside the phone.
S&T Bank estate support
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Estate requests go through general customer service.
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