Overdraft Assurance

Like many couples, they were busy. They were in the midst of a remodel. The school year just ended. Their jobs were in full swing and there didn’t seem to be enough hours in the day.

When they finally had a minute to catch their breath, they realized they hadn’t talked about their spending. She wrote a check for summer camp. He made several purchases for their new kitchen. In the past, this would have been a recipe for an argument. But since they planned ahead and had Overdraft AssuranceSM, there was no need to worry about it.

Accidents happen. That’s why we offer an overdraft line of credit called Overdraft Assurance.1 It protects all of your linked SunTrust checking accounts.

To learn more or enroll in Overdraft Assurance, call 800.SUNTRUST or visit your local SunTrust branch.

  • A $500–$5,000 line of credit1 that covers all of your SunTrust personal checking accounts
  • No overdraft transfer fee2 is charged when money is automatically transferred to your SunTrust personal checking account to cover an overdraft
  • No interest is charged to your Overdraft Assurance account if the transfer is repaid before the 4th calendar day after the date of the transfer

Think of it as an insurance plan against overdrafts. No more worrying, just peace of mind.

There is a $7 monthly charge, assessed to your designated checking account, for maintaining this line of credit, regardless of how little or much you use it. One monthly charge and all of your SunTrust personal checking accounts are completely covered from overdrafts.


1Overdraft Assurance is subject to credit approval, and if approved, transfers will be made up to your available credit limit.

2A $7 monthly fee will be assessed to your designated checking account in order to maintain access to the Overdraft Assurance line of credit. If funds are not repaid back to the Overdraft Assurance account before the 4th calendar day after the date advances are posted to your credit line, interest will begin to accrue. APRs are fixed and standard APRs could range from 13% to 16% APR. Exclusions and limitations apply.

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Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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