Balanced Banking

Balanced Banking

If you’re ready to make a plan to take control of your finances, take a look at a Balanced Banking® checking account from SunTrust. It’s designed to help you avoid unexpected overdraft fees.

All SunTrust checking accounts include these great features:


Balanced Banking account features:

  • Money-management assistance. If you try to make a debit card purchase and don’t have the available funds to cover the amount, the transaction is simply declined with no overdraft fees. And just in case an error occurs when writing a check, you’ll receive a reduced returned item fee.
  • Reduced returned-item fees. For items returned due to insufficient funds, you pay a $20 returned-item fee—not the standard $36.5
  • Exclusive checks. Your first 25-pack of SunTrust Exclusive checks is included.


To waive the $12 monthly maintenance fee:

Have $3,000 in combined daily collected balances in
Balanced Banking and linked checking, savings, money markets, CDs and IRAs6


For more information please see the Account Overview and Fee Schedule:

Account Overview

Fee Schedule



1SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.

2SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services.

3SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad and Android Tablet Apps - only for use in the United States and its territories.

4No Fee for SunTrust ATM Use. Fees do apply for ATM-printed statements or mini-statements.

5In instances where your account becomes overdrawn, you will not be assessed an overdraft fee. Items may be returned for non-sufficient funds (NSF) in the account and the returned item fee will be reduced to $20, instead of the standard $36.

6Linked personal deposits include checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs (SILCs)) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).

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