Retirement Planning & Solutions

Provide valuable retirement solutions to help recruit, retain and reward employees.

SunTrust offers retirement plan solutions that can be tailored to suit your company’s size, needs and business objectives. Whether you’re looking for workplace retirement plan design, 401(k) administration, defined-benefit advisory services or supplemental retirement strategies for executives, we can help you identify and implement a retirement plan solution that makes sense.

Defined contribution plans
Our workplace retirement plans include transparent fee structures, administrative support, distribution services and guidance from retirement plan specialists. Along with providing tax-deferred retirement savings for your employees, our plans offer online access, tools and educational resources.

  • Institutional 401(k): Designed for mid-sized to large companies, these plans streamline 401(k) administration, deliver fiduciary support to minimize risks, and engage employees to take actions that can help improve retirement outcomes.
  • SunTrust Online 401k: Created for small businesses with fewer than 100 employees, these plans provide easy and affordable access to a broad selection of funds.
  • Advisor-supported 401(k): For those who prefer to work with an advisor, SunTrust Investment Services, Inc. provides plans that are a convenient way to execute your workplace retirement goals.

Defined benefit plans
If your organization needs help establishing a pension plan or managing an existing one, we offer tailored investment solutions, regulatory expertise and a full range of bundled and unbundled services, including trust and custody, investment advisory, reporting and distribution.

In addition, we provide SunTrust BenePay™ for plan sponsors to view plan and participant level information, including payment and tax histories of defined benefit contributions.1

Should you choose to do so, we can also help you bring your defined benefit and defined contribution plans onto a single administrative platform.

Non-qualified plans
We understand the needs of highly compensated employees, and can work with you to provide a non-qualified plan that will be valuable in recruiting and rewarding key employees.

Among the benefits of our non-qualified plans are:

  • No contribution limits and greater flexibility than 401(k)s
  • Employer- or employee-funded--or a combination of both
  • Tax-deferred, typically until participant retires
  • Salary reduction, salary continuation and death benefit-only plans

Institutional 401(k) Plan Sponsor Access
To provide you with accurate and timely recordkeeping, SunTrust offers technology solutions to allow your employees and provider contributions to be invested quickly and correctly. We provide plan sponsors online access to view plan and employees information, upload new payroll data, or gain access to helpful reports.

Gain real-time access to retirement plan and employee data through our online services:

  • Employee Website Demo - See where employees go online to access educational content, review their account, transfer funds and change future contributions.
  • Plan Service Center Demo - Select the PlanSponsor tab to see firsthand how our Plan Service Center works.

Institutional 401(k) plan employees can access these online services:

  • Retirement Toolbox - Our award-winning, one-stop online resource for retirement planning needs and education.
  • PlanLink® - Our intuitive employee website with inquiry and transaction capabilities.
  • PlanLink® Demo - See firsthand the employee experience.


Securities, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer affiliate of SunTrust Banks, Inc., member FINRA, SIPC, and a licensed insurance agency.

© 2015 SunTrust Banks, Inc. SunTrust, PlanLine, PlanLink and SunTrust Investment Evaluation Process are federally registered service marks of SunTrust Banks, Inc.

Corporate & Commercial Banking Resource Center

  • Unlocking Hidden Value Through Greater Working Capital Efficiency

    Working capital management is often overlooked as a lower risk opportunity to fund business growth, to pursue an acquisition or to increase shareholder value. Many middle market companies have an opportunity, identified by industry benchmarks, to unlock significant value.

  • Thinking Like a Banker to Craft a Successful Financing

    Thinking like a banker can help you identify factors that you can and cannot control, and those you can manage when making a business financing decision.

  • Taking Action to Maximize Value by Managing Working Capital

    Managing working capital is not usually considered a top strategy to find business value. To help the more than half of businesses who do not actively manage working capital, SunTrust has outlined three actions businesses can take to create value from working capital management improvement.

  • Electronic Payments Help Your Business Fight Fraud

    Smaller businesses are almost twice as likely as large businesses to suffer instances of fraud. Learn how to keep your business safe by implementing simple changes with big impacts.

  • Untying Your Business’s Cash

    Five important functional areas provide hiding places for additional working capital and improved cash flow. Learn how you can optimize each of these areas and strengthen your balance sheet.

  • Contact

  • Support

  • Wires

      For details about Wire Transfers with SunTrust, call 800.947.3786


      SunTrust Incoming wire instructions:


      • For Domestic incoming wire use Routing ABA: 061000104
      • For International incoming wire use SWIFT/BIC: SNTRUS3A
      • Beneficiary account number: SunTrust full account number
      • Beneficiary name: The name as it appears on the SunTrust account

      SunTrust Incoming wire instructions are also available by calling: 800.947.3786 - option 1

Investment and Insurance Products:

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

© 2018 SunTrust Banks, Inc

equal housing logoSunTrust Bank is an Equal Housing Lender. Member FDIC

equal housing logoEqual Housing Lender. SunTrust Mortgage, Inc

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.