total business banking; flexible banking program, Business Checking

Total Business Banking

With SunTrust Total Business Banking, you get the business checking account your business needs, along with credit card and investment options, all for one low monthly fee.1

Business Credit Cards

The SunTrust business credit card offers you both financial control and protection with:

  • Easy-to-read reports that let you quickly separate business expenses from personal expenses, making tax time less taxing
  • The ability to control employee spending by giving your employees cards with separate account numbers with spending and cash advance limits
  • Protection from card misuse with our liability waiver program
  • Protection for your employees on the road with auto rental insurance, travel accident coverage and travel assistance services

Investment Consultation

If you need advice on how to invest your excess cash, sign up for a consultation with a SunTrust Investment Services, Inc. representative and find out what we can offer you and your business.

  • Individual securities
  • Mutual funds
  • U.S. government bonds
  • Tax-deferred annuities
  • Asset allocation programs

Total Business Banking clients also receive a 10 percent discount on all equity purchases.2

Online Cash Manager

SunTrust Online Cash Manager gives you convenient access to all the financial information you need to run your business more effectively. SunTrust Online Banking also lets you check accounts, transfer money and pay bills from your computer.

Merchant Services

Merchant Services delivers the convenience your customers demand with the security your business needs, including:

  • Point-of-sale, phone, mail and Internet transactions
  • Processing for credit, debit and gift cards
  • Access to funds within 24 to 48 hours
  • Chargeback protection

To speak with a SunTrust business representative call 877.370.5108.

Making transactions easy

  • 300 monthly items3 and $7,000 combined cash processing4
  • Merchant services with up to $150 credit towards point-of-sale equipment5
  • A $200 gift card if we can't meet or beat your current merchant processing rates6
  • Up to $250 reimbursement of former merchant processor's cancellation fees
  • Unlimited teller visits and use of SunTrust ATMs
  • Next-day funding on SunTrust merchant accounts depositing to a SunTrust business checking account

Make your business more productive

  • A preferred checking account for your personal use
  • Online check deposit with a check scanner (implementation fee waived for new Total Business Banking clients)7
  • Online Cash Manager with online access to your accounts under one profile for easier account management
  • Merchant Services account with the ability to accept credit, debit or gift cards
  • 10% commission discount on all equity trades through SunTrust Investment Services, Inc.6, and business investment consultation with SunTrust Investment Services, Inc. representative

1Total Business Banking requires $5,000 average monthly balance in the Total Business Banking account or $10,000 minimum daily collected balance in a linked business money market or business savings account.

2Stock market investing involves risk, including fluctuating returns and loss of principal. Securities, insurance (including annuities) and other investment products and services are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency.

3Items include deposits and deposited items, checks, ATM transactions, Point-of-Sale purchases and ACH debits. Wire transfer transactions and commercial and treasury management transactions may also count against this limit. There are fees for exceeding stated limits.

4There are fees for exceeding stated limits.

5The SunTrust credit card processing account must be activated within 60 days to qualify. Account activation requires processing of a non-test transaction. Qualifying merchants will receive the promotion credit within 6-8 weeks on the client's new merchant statement. Offer is limited to one client relationship.

6Merchant processing cost comparison based on all merchant services processing charges shown on a recent processor merchant statement. Three statements will be required for proof. Offer subject to change without notice. Some restrictions, limitations and fees may apply. Limit one gift card per merchant, regardless of number of locations. Allow 6 to 8 weeks for delivery

7One time implementation fee waiver is for new Online Check Deposit clients only. Other Online Check Deposit fees may apply.

Contact Us

To reach a SunTrust representative:

Securities, Investment and Insurance Products and Services:

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

© 2014 SunTrust Banks, Inc.

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