Overdraft Protection

We know that sometimes income and expenses don’t always match perfectly, and that sometimes the balance in your business checking account may be less than you or your employees think. That's why SunTrust offers overdraft checking protection, to protect you in those situations without causing you the embarrassment of a bounced check.

Our overdraft checking protection links your checking, savings or money market account to an established SunTrust business credit card or a deposit account (business savings, business money market or business money market performance account).1 That way, when there's a problem in insufficient funds, we can take care of it quickly and discreetly.

If you overdraw your account, we will transfer any available funds in your overdraft-protected account for a fee of $12.50. There is a maximum of one transfer fee per day.

For accounts linked to a deposit account (checking, savings or money market), we will transfer the exact amount necessary plus any applicable transfer fees. For accounts linked to a credit card or line of credit, we will make transfers in $100 increments.

To speak to a SunTrust overdraft service expert call 800.279.4824.

Overdraft/Returned Item Fees


1Overdraft Protection Service is not available for all SunTrust products or product service areas. The $12.50 transfer fee for the deposit accounts, Access 3, consumer credit card and the personal or executive line of credit are charged to the protected checking, savings or money market account. All advances are subject to funds availability. See your SunTrust representative for details.

2The $12.50 overdraft transfer fee does not apply to Overdraft Assurance line of credit.

3A $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. Overdraft Assurance is subject to credit approval, and if approved, transfers will be made up to your available credit limit.

Investment and Insurance Products:

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

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