Tài liệu S&T Bank Rates and Fees doc

Opening Balance Requirements Percentage Yield Annual Interest Rate Effective June 20, 2012 Preferred Savings Account Please see Footnote 16 for disclosure.. Opening Balance Require

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S&T Bank Rates and Fees

(Effective December 26, 2012 through January 1, 2013)

Please see Footnote 1 for disclosure Opening Balance

Requirements Percentage Yield Annual Interest Rate

Relationship

CD Offer

IRA CD Time Deposits

Relationship

CD Offer

S&T-Bill CD Time Deposit

12-month CD

(Please see Footnote 10 for disclosure) Opening Balance

Relationship

CD Offer

Smart Start S&T-Bill CD Time Deposit

12-month CD

Relationship

CD Offer

Quick Cash 10-Month CD Time Deposit or IRA

10-month CD

Relationship

CD Offer

NO RELATIONSHIP BONUS AVAILABLE ON THE T-BILL CDs

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Money Market Accounts

Regular MMA:

(Effective June 20, 2012)

Interest Checking Accounts

Cash Management Account

Preferred Savings Account

(Effective September 12, 2012)

Statement Savings Account

Overdraft Protection Savings Account

Passbook Savings

Moola Moola Passbook Savings

Basic Holiday Savings Club

Premium Holiday Savings Club

My Choice Savings Account

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IRA Variable Rate Savings Account

Please see Footnote 9 for disclosure.

Overnight Sweep Repurchase Rate

“Bump or Jump” 12-Month CD Time Deposit (NOT AVAILABLE FOR NEW ACCOUNTS)

Please see Footnotes 1 and 17 for

Promotional CD Time Deposits

12-Month CD Time Deposit or IRA

Opening Balance Requirement = $1,000 See Footnotes 1, 13, 14 and 18 for disclosure

(must be a Club member w/

relationships)

(Effective November 7, 2012)

* Changes from the previous week shown in bold

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Special Relationship Offer – Add from 0.05% up to 0.20% to a CD or IRA APY!

Effective August 11, 2010 (See footnote 13 for important disclosure copy)

Get an additional 0.05%, up to 0.15%, added to your CD/IRA APY for each of the following new or existing S&T services:

• 0.05=Core Checking Account-includes Regular, Business, NOW or Money Market acct

• 0.05=S&T Mortgage Loan, Home Equity Loan/Line of Credit, or Installment Loan

• 0.05=New Money to S&T Bank-Face amount of CD must consist of at least 50% new money

CLUB MEMBERS – Get an additional 0.05% for your Club relationship – up to a maximum of 0.20% (See footnote #14

for disclosure copy)

• 0.05=Preferred Account, America’s Choice or Four Star Club account

Footnotes:

1 Growth/Income and IRA CD Time Deposits - Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of

interest will reduce earnings CD Time Deposit - 1099 is produced in the year interest is paid Penalty for early withdrawals could affect the APY and could reduce the principal for these accounts

2 Quick Cash CD Time Deposit – No withdrawals permitted during the first 7 day period Entire certificate may be redeemed without penalty after the first

seven days No partial withdrawals Offer may be withdrawn at any time Substantial penalties for early withdrawals Maximum deposit of $250,000 per household

3 Money Market Account - This savings account has a maximum of six (6) third party transactions permitted per month This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice

4 Interest Checking Account - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without

prior notice

5 Statement, Overdraft Protection and Passbook Savings - This is a variable rate account and your interest rate and Annual Percentage Yield may change

at the Bank's discretion without prior notice

6 Moola Moola Passbook Savings - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion

without prior notice

7 Basic Holiday Savings Club - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without

prior notice

8 Premium Holiday Savings Club - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion

without prior notice This account requires direct deposit of contributions and direct deposit of funds to your S&T account No withdrawals will be permitted prior to disbursement

9 IRA Variable Rate Savings Account - There will not be any bank penalties imposed for the transfer of funds from this IRA to another S&T IRA account

You may make additional deposits in any amount after the initial deposit

The Annual Percentage Yield and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts.The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month)

10 S&T-Bill CD Time Deposit – Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce

earnings CD Time Deposit - 1099 is produced in the year interest is paid Penalty for early withdrawals could affect the APY and could reduce principal for these accounts

This promotional CD Time Deposit APY and interest rate cannot be combined with any other promotion Additional deposits may be made through automatic transfers from an S&T checking or savings account Minimum transfer amount is $50 Deposits may also be made at any branch location Customer must have

an S&T checking or savings account to open the CD Not available on IRAs

The APY and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts

The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month) Monthly interest payments will only be available through transfer of funds to an S&T checking or savings account.If withdrawals are made to this account prior to maturity date,

a penalty of 90 days simple interest will be imposed

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earnings CD Time Deposit - 1099 is produced in the year interest is paid Penalty for early withdrawals could affect the APY and could reduce principal for these accounts

This promotional CD Time Deposit APY and interest rate cannot be combined with any other promotion Additional deposits may be made through automatic transfers from an S&T Smart Start checking account or be made at any branch Minimum transfer amount is $20 Customer must have an S&T Smart Start checking account to open the CD Not available on IRAs

The APY and interest rate on the entire account balance will be adjusted & become effective the first Business Day of each month Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts

The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month) Monthly interest payments will only be available through transfer of funds to an S&T Smart Start checking account.If withdrawals are made to this account prior to maturity date, a penalty of 90 days simple interest will be imposed

12 My Choice Savings Account - This is a variable rate account Your interest rate and Annual Percentage Yield may change at the Bank's discretion without

prior notice Account must be funded via direct draft If direct draft ceases, the interest rate and APY will revert to the Basic Holiday Savings Club Interest is credited once per year on the date selected by customer If the account is closed before interest is credited, all accrued interest in the

account may be forfeited $10 per month minimum transfer amount Once a disbursement date is selected, it cannot be changed No withdrawals will be permitted prior to disbursement

13 Relationship CD Offer - Maximum bonus Annual Percentage Yield is 0.15% (0.20% for Club members) added to the base CD APY Get an additional 0.05%

added to the CD APY for each of the following S&T services: S&T Core Checking Account; S&T Mortgage Loan, Home Equity Loan/Line of Credit or Installment Loan; Cash Management Account; or New Money to S&T Bank Club account members (Preferred Account, America’s Choice & Four Star only) are eligible for an additional 0.05% bonus for their Club relationship, up to 0.20%

Offer excludes the S&T-Bill CD and Smart Start T-Bill CD Special cannot be combined with any other bonus offers Not available for brokered accounts or the IRA Variable Rate Savings account Minimum deposit to open is based on the CD selected Substantial penalty for early withdrawal Offer may be withdrawn at any time

The promotional APY and interest rate will not be applied to existing CD Time Deposits that automatically rollover Customers must choose to change the existing CD Time Deposit to promotional Time Deposit At maturity, this promotional CD Time Deposit will rollover into a traditional Time Deposit interest plan

14 Club Bonus - Maximum bonus Annual Percentage Yield is 0.20% added to the base CD APY Get an additional 0.05% added to the CD APY for being a

Preferred Account, America’s Choice or Four Star Club account member, in addition to the Relationship CD bonus offers The highest tier is noted

Club Bonus available to S&T Bank Preferred Account, Four Star Club & America’s Choice members only Special cannot be combined with any other

promotion Not available for brokered accounts Minimum deposit to open depends on CD product selected Substantial penalty for early withdrawal Offer may be withdrawn at any time

The promotional APY and interest rate will not be applied to existing CD Time Deposits that automatically rollover Customers must choose to change the existing CD Time Deposit to promotional CD Time Deposit At maturity, promotional CD Time Deposits rollover into a traditional CD Time Deposit interest plan

15 Cash Management Account –This is a variable rate account and your interest rate and Annual Percentage Yield (APY) may change at the Bank’s discretion

without prior notice Interest is accrued daily on the collected balance and compounded and credited to your account monthly A $25 penalty applies for each third party transaction exceeding six per monthly cycle An $8 monthly service fee will be collected on amounts falling below $5,000

16 Preferred Account Savings - This is a variable rate account and your interest rate and Annual Percentage Yield (APY) may change at the Bank’s discretion

without prior notice A $10 quarterly service fee will be collected on amounts falling below $200 Customer must have a Preferred checking account in order

to qualify for a Preferred savings account Quarterly interest plan One Preferred Savings per Preferred Checking household

17 "Bump or Jump" CD Time Deposit – THISCD IS NOT AVAILABLE FOR NEW ACCOUNTS Choice of "Bumping" up to a higher interest rate and APY

or "Jumping" to another "Bump or Jump" or other investment type anytime after 7 days No penalty for using this option once within a 12-month term No partial withdrawals without penalty Does not include IRA accounts Offer may be withdrawn at any time Not available in all areas Substantial penalties for early withdrawals after use of one time 7-day access option

18 12 Month CD Special –This special cannot be combined with any other offer and excludes institutional investors or brokered accounts Minimum deposit

requirement is $1,000 Substantial penalty for early withdrawal APY assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings Rates subject to change without notice Offer withdrawn at any time The promotional APY and interest rate will not be applied to existing time deposits that automatically rollover At maturity, promotional time deposits will rollover into a traditional CD time deposit interest plan

For more information, you may call our Direct Banking Center at 800.325.BANK or 724.349.1800

Monday – Friday 7:00 a.m – 7:00 p.m

Saturday – 8:00 a.m – 3:00 p.m

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FEE SCHEDULE

Miscellaneous Account Service Fees

standards for processing, or we may require your checks be purchased through the vender of our choice, at your expense

Transfer from Line of Credit or Savings account

Secondary Return Item Notice Fee

(All consumer checking, interest checking and money market accounts, excludes Four Star account)

Personal Accounts with statements held at branch: $2.00 per cycle

Interim Statement (without checks) or

Copy of Item (including Money Order, Treasurer’s Check,

savings withdrawal, deposit ticket, etc Cancelled check

copy fee does not apply to CheckSafe customers

CheckSafe customers requesting > 25 copies per year

Excessive Transaction Fee

less than $100 and with no activity during previous 12 months

Non S&T ATM Transactions

ATM Service Fees

(ATM Deposits, ATM Withdrawals, ATM Inquiries,

(Excludes Preferred Account, Four Star & America’s Choice accts

See applicable disclosure)

Transfer of Funds

Domestic Outgoing Wire (Customer)

Safe Deposit Boxes

Loss of Keys:

One Key (requires replacement with new lockset) $ 30.00

Two Keys (requires drilling & lockset replacement) $150.00

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Night Depository

$25.00 canvas bag (large)

Miscellaneous Services

VISA International Service Assessment Fee: 8% of international purchases & cash disbursements which do not require conversion

- applies to VISA credit & debit card transactions 1% of international purchases & cash disbursements which require conversion

Online Banking

(Basic Package -additional services available at extra charges)

Expedited Fee Payment

ExpressNet Expedited Payments

Express Banking Fee

ExpressNet User Fee Monthly

ExpressNet User Fee Transactional

(If an ExpressNet user is signed up for BillPay, one bill per month must be paid via

S&T’s ExpressNet with BillPay in order to avoid a $3 per month inactivity fee.)

Service Charge

(From S&T to another financial institution)

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PERSONAL CHECKING

Preferred Account

• Minimum daily balance requirement $1,000

• Monthly maintenance Fee (if balance falls below minimum daily balance or combined balance) $10

• No monthly maintenance fee will be assessed for combined deposit and HOME Center balances* of $50,000 or more

• ATM Transactions

• S&T Bank ATMs = Unlimited free ATM transactions

• Non S&T Bank ATMs = 10 free ATM withdrawals per monthly statement cycle

Free Checking Account

• No minimum balance to open account

• No minimum balance

• No monthly maintenance fee

• Free ATM Banking at S&T Bank ATMs

Interest Checking Account

• Minimum daily balance requirement $1,000 or average monthly balance requirement $2,500

• Monthly maintenance Fee (if balance falls below minimum daily balance or average monthly requirement) $10

• No monthly maintenance fee will be assessed for combined personal deposit and HOME Center balances of $20,000* or more

Smart Start Checking

• No minimum balance to open account

• Monthly maintenance fee will be assessed upon accountholder’s 25th birthday of $25

• ATM Transactions

• S&T Bank ATMs = Unlimited free ATM transactions

• Non S&T Bank ATMs = Two free ATM withdrawals per monthly statement cycle at in-network ATMs (NYCE networks only)

Club Account

Four Star Club (Regular, Interest, and Money Market)

• Minimum daily checking account balance requirement $1,000

• Monthly maintenance fee (if balance requirement falls below minimum daily balance) $10

• No monthly maintenance fee will be assessed for combined personal deposit and HOME Center balances of $5,000 or more.*

• Excessive transaction fee $2/transaction applies on Four Star money market (A maximum of six third party transactions are

permitted per calendar month or statement cycle)

*Combined deposit balances include: all personal checking, savings or time deposits Combined Home Center balances include: mortgage,

home equity loan and home equity line outstanding balances

** Waived for minors under the age of 18

Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts

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Cash Management Account

• Minimum daily balance requirement $5,000

• Monthly maintenance fee (if balance falls below minimum daily balance) $8

• Fee for third party transactions exceeding six per calendar month or statement cycle $25/transaction

Money Market Account

• Monthly maintenance fee (if balance requirement falls below minimum daily balance or average monthly balance) $10

• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)

• No monthly maintenance fee will be assessed for combined deposit and Home center balances of $20,000* or more

Preferred Savings Account

• Minimum balance to open account $25

• Quarterly maintenance fee $10 (if daily balance falls below $200 minimum)

• Must have the Preferred Checking account in order to qualify for the Preferred Savings Account otherwise savings will revert to statement savings account and rate

• One Preferred Savings Account per Preferred Checking Account household

Moola Moola Kids Savings

Account intended for children ages 13 and under

At age 18, maintenance fees applicable to passbook savings account will apply

• No maintenance fee

• Minimum balance required to earn passbook interest rate and annual percentage yield $25

• Excessive Transaction Fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)

IRA Variable Rate Savings Account

• The interest rate is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury bill auction of the previous month)

• Minimum balance to open $50

• No maintenance fee

Individual Retirement Account

• Transfers to other institutions $35/transfer

Passbook Savings Account

• Quarterly maintenance Fee $6 (if balance falls below $200 minimum**)

Statement Savings

• Minimum balance to open account $25.00

• Quarterly maintenance Fee $6 (if balance falls below $200 minimum**)

Overdraft Protection Savings Account

• Quarterly maintenance fee $6 (if daily balance falls below $200 minimum)

• Quarterly maintenance fee $8 for overdraft protection

NON CONSUMER SERVICE FEE SCHEDULE

*Combined deposit balances include: all personal checking, savings or time deposits Combined Home Center balances include: mortgage,

home equity loan and home equity line outstanding balances

** Waived for minors under the age of 18

Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts

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Non Consumer Fee Schedule Checking

Basic Business Checking

• No minimum balance

• 500 free transactions each month

Non Consumer Interest Checking

• Monthly maintenance fee $10 (if balance falls below average daily or monthly requirement)

Non Consumer Fee Schedule Saving

Non consumer Money Market Account

• Monthly maintenance fee $12 (if balance falls below average daily or monthly requirement)

• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month

or statement cycle)

Non Consumer Passbook Savings

• Quarterly maintenance fee (if balance falls below $200 minimum) $6

or statement cycle)

Non Consumer Statement Savings

• Quarterly maintenance fee (if balance falls below $200 minimum) $6

or statement cycle)

Please refer to the Account Analysis fee schedule for Business accounts with Account Analysis

Tiêu đề	S&T Bank rates and fees
Chuyên ngành	Banking and finance
Thể loại	Rates and fees schedule
Năm xuất bản	2012

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Số trang	10
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