Personal Savings Accounts

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We can help get you where you want to be.

Whether you’re working toward a specific goal or looking for a little extra peace of mind, a savings account can be a boost for your financial confidence — in the short term, the long term, and everything in between.

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Bank How and When You Want
Bank How and When You Want

Download the SunTrust Mobile App and make it easy to deposit checks, pay bills or transfer money from your phone.

Brush up on the basics
Brush up on the basics

For answers, guidance and clarity about all things banking including frequently asked questions, visit our Facts About Banking page.

DISCLAIMERS

Unless you instruct us otherwise, when this CD matures, it will automatically renew:

  • For the same time period as the original CD term.
  • At the SunTrust standard interest rate based on the balance tier and the interest rate in effect for your local area at the time of each renewal, based on your renewal balance.

Please visit your local branch or call us at 800.SUNTRUST for current CD information. For more information, please refer to Rules and Regulations under the heading of Automatically Renewable Time Deposits.

Essential Savings

1 Account must maintain a minimum balance of $.01 to avoid account closure.

2 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a SunTrust deposit account. Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus. For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

3 Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail. If a client does not select the option to opt out of paper statements in Online Banking a paper statement fee will be charged. Online Banking is required to access paperless online statements.

4 The use of all savings and money market accounts for overdraft protection will result in a transfer fee of $12.50 per transfer, charged to the protected deposit account. All advances are subject to funds availability. Overdraft Protection Service is not available for all SunTrust products or product service areas. See your SunTrust representative for details.

Advantage Money Market Savings

1 At the bank’s discretion, rates and yields are subject to change without notice after the account is opened. Interest is calculated and compounded daily on the collected balance in your account and credited to your account monthly. Fees may reduce earnings. To the extent required by law, SunTrust will report to the Internal Revenue Service any interest that is paid.

2 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a SunTrust deposit account. Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus. For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

3 The $17 Monthly Maintenance Fee is waived for the Advantage Money Market Savings account for each statement cycle in which an incoming electronic transfer or electronic deposit totaling at least $100 occurs OR a minimum daily collected balance of $10,000 is maintained. ATM transactions and over-the-counter transactions do not apply. Please see the Fee Schedule at suntrust.com/feeschedule for further details.

4 The use of all savings and money market accounts for overdraft protection will result in a transfer fee of $12.50 per transfer, charged to the protected deposit account. All advances are subject to funds availability. Overdraft Protection Service is not available for all SunTrust products or product service areas. See your SunTrust representative for details.

Excessive Withdrawal Fees

5 The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill Payments, Overdraft Protection transfers, wire transfers, and deposit funds transfers completed through Online or Mobile Banking.

6 For savings accounts, an excessive withdrawal fee of $6 is assessed regardless of balance, for each excessive withdrawal if more than six withdrawal transactions are paid during the monthly statement cycle or a calendar month for quarterly statements with a maximum of 6. Applicable fees are assessed at the time of withdrawal. Please see Fee Schedule for further details.

7 For Advantage Money Market Savings accounts, an excessive withdrawal fee of $15 is assessed regardless of balance, for each excessive withdrawal if more than six pre-authorized, telephone funds transfers or third party transactions are paid during the statement cycle with a maximum of 6. Applicable fees assessed at the time of the withdrawal. Please see Fee Schedule for further details.

At the Bank's discretion, rates and yields are subject to change without notice after the account is opened. Interest is calculated and compounded daily on the collected balance in your account and credited to your account quarterly. Fees may reduce earnings.

8 Account holders much enroll into IDnotify via SunTrust channels to receive the service at no cost. Service will be canceled for clients who no longer have any active accounts with SunTrust. Clients with only Business products or services do not qualify for IDnotify.

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Savings Resource Center

  • New Accounts

  • Support

  • Wires

       

      For more 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

       

 

Truist Bank, Member FDIC. ©2022 Truist Financial Corporation. SunTrust®, the SunTrust logo, and Truist are service marks of Truist Financial Corporation. 

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Equal Housing Lender

Investment and Insurance Products:

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

All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.Link opens a new window

Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.), and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.  Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; Truist Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; Truist Advisory Services, Inc., an SEC registered investment adviser which provides Investment Advisory services.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by affiliates of Truist Financial Corporation.

Truist Securities is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including Truist Securities, Inc., member FINRALink opens a new window and SIPCLink opens a new window.

New York City residents: Translation or other language access services may be available.  When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. 

Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become Truist, both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees, and pricing.

Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.

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  • SunTrust is now Truist. If you’re new to SunTrust, use Truist.com to see what’s new and to open accounts. That way you’ll be one step ahead when all SunTrust accounts move to Truist in 2022. If you already have SunTrust accounts, please keep using SunTrust.com to manage those accounts or to open new ones. You’ll have a better banking experience today, and a better transition to Truist in February 2022.