FAQ's

Your Search for "Personal Banking" found 152 results

Can I accept overdraft coverage without using Online Banking?

Yes. SunTrust clients can also call 800.485.7279 or visit their local branch to accept coverage.

What are the system requirements for Online Banking?

To view your accounts in Online Banking, you will need internet access using the latest versions of the following supported browsers: Google Chrome, Microsoft Internet Explorer, Mozilla Firefox or Safari.

How do I sign on to Online Banking?

From the SunTrust home page, you will see an Online Banking Sign On box in the upper left corner of the page.  Enter your  User ID and Password in the text boxes and click SIGN ON. 

What is an Extended Overdraft Fee and how do I avoid it?

An extended overdraft fee is incurred when your current (ledger) balance has been negative for five consecutive business days (does not include Saturdays, Sundays and holidays).

To help you avoid an extended overdraft fee, we will mail you written notification when you overdraw your account or an item is returned.  Additionally, Online Banking clients will receive an email notification to their email address on file.  There is no need to opt-in to receive this alert, it is automatic; however, please make sure your current email address in Online Banking is up-to-date so you can receive important notifications about your account.

How can I protect myself from identity theft?

The important thing to remember is to use caution when disclosing personal and financial information. Please visit our Fraud Center to learn more about how you can protect your information.

How can I prevent receiving fraudulent e-mails?

Do not share your e-mail address or personal information with untrusted third parties or Web sites. Additionally, keep the anti-spam, anti-spyware and anti-virus software on your computer up to date. This will help reduce the number of fraudulent e-mails you receive.

How do I order checks online?

Deluxe Corporation is SunTrust's preferred provider for ordering checks online.  You can reorder personal checks or business checks through the Deluxe Corporation web site.  If you experience errors using this service, you may not currently be able to reorder your SunTrust checks online. Please speak with a SunTrust representative at 800.SUNTRUST (800.786.8787) or visit your local SunTrust branch.

What is Overdraft Protection?

Overdraft Protection allows you to link your account to an established protection account so that your transactions are covered by the balances or available credit in your protector account. Available protector accounts include SunTrust deposit accounts, credit cards, personal lines of credit, and Overdraft AssuranceSM lines of credit. Once you have set-up Overdraft Protection, you will not incur overdraft fees if you overdraw your account and there are available funds in your protection account. There is a $12.50 transfer fee per daily transfer for this service. (Note: Special rules apply to Overdraft Assurance lines of credit. Visit our Facts About Banking site for additional details.) If your Overdraft Protection account is a savings or money market account, transfers will count towards the maximum number of 6 withdrawals and transfers per month per Regulation D and bank requirements.

What is Overdraft Coverage versus Overdraft Protection?

Overdraft Coverage allows SunTrust to pay ATM and one-time debit card transactions when your available balance is not sufficient to cover the transaction. You may be charged up to $36 for each overdrawn item. (Note: SunTrust will limit the number of fees you can incur per day to 6 Overdraft item and 6 Returned item fees.) Overdraft Protection helps you avoid overdrafts by linking your checking account to another SunTrust deposit account, credit card, Access 3 or other personal line of credit, or Overdraft Assurance line of credit, and transferring funds when necessary. There is a $12.50 overdraft protection transfer fee charged to the protected deposit account each day we transfer funds on your behalf. (Note: Special rules apply to Overdraft Assurance lines of credit. Visit our Facts About Banking site for additional details.) Keep in mind that SunTrust pays overdrafts at its discretion, which means we can't guarantee that we will always cover every transaction.

Why are some deposits not immediately available for me to use?

In most cases, SunTrust makes funds from deposited checks immediately available to you before the funds are collected from the payee bank.  However, in some cases, we may place a hold on your account for a portion or full amount of a deposited check. For example, if we have reason to believe a check you deposit will not be paid or if the deposited checks total more than $5,000 in one day, a hold may be placed on the item deposited. Holds are placed to help protect both you and the Bank from losses that could occur when a deposited item is returned unpaid.  If we do place a hold on your deposit, you will be notified via mail of the dates the funds will be available for payment or withdrawal.  You will also be able to see any holds placed on your account in Online Banking and Mobile Banking.

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