Posting Order Process

Every day you make a variety of transactions—withdrawals and deposits, check payments and ACH transactions, debit card purchases and money transfers.

Knowing when your transactions post can help you understand how your balances are determined and potentially avoid overdraft and returned item fees. Transactions (also referred to as items) that we receive throughout the day, such as your Debit Card purchases, are reflected in your available balance as we receive them. Other transactions, like personal checks, are received in batch (groups of items received at one time) and will not be reflected in your available balance until they are processed in the next nightly processing.

posting-transactions
 

Remember, if you have funds available in your account when transactions post, you will not be assessed any overdraft or returned item fees.

The ways in which SunTrust posts transactions to your account are described in our Rules and Regulations for Deposit Accounts, which is available at suntrust.com/disclosures. In particular, please refer to the sections on Deposits and Withdrawals, Collection of Items, Debit Card/ATM Authorized Transaction Holds and Insufficient Funds. The table below shows the usual order for the most common transactions that post to an account during nightly processing.

At the end of each business day, transactions are processed  in what is known as nightly processing. We start with your account’s current balance as of the end of the prior business day. First we will add deposits and credits. Then, your current balance will be reduced by "pending" withdrawals, such as debit card transactions that we have authorized but not yet paid. Then, we subtract any holds placed on your account (for example, holds placed on a deposit or holds placed due to legal process). The resulting balance becomes your available balance which will be used in nightly processing.

Next, transactions will be sorted into groups and prioritized by Group (items in Group 1 would post before items in Group 2 and items in Group 2 would post before items in Group 3, etc.). Within each group, items will be posted by time authorized (e.g. when you got gas with your debit card), performed (e.g. when you took money out at the ATM), received (e.g. when your gym debited your monthly membership fee) or processed by the bank. When items are received at the same time, we will post those in "low to high", or ascending, dollar amount order.

Group Priority Order Description

1

(+) Credits related to the previous night's processing such as deposits, reversals and other transactions

2

(-) Withdrawals related to the previous night's processing such as Overdraft Protection withdrawals or overdraft/returned item fees

3

(+) Deposits & Credits

4

(-) Bank-initiated transactions such as corrections and Deposited Item Returned Checks

5

(-) Client-initiated withdrawals and debits such as transfers, ATM transactions, point-of-sale transactions or checks cashed at a teller window in a branch*

6

(-) Client-initiated withdrawals and debits such as ACH(automated payments) and Checks

7

(-) Other Fees*

This chart shows the most common categories and types of transactions and may not include transactions that are infrequently used. *Some fees are assessed at the time the transaction is performed by you while others are assessed at the end of the banking day.

Other Transaction Posting Facts

Here is additional transaction posting information that will be helpful:

  • Nightly processing occurs on regular business days (e.g., no Saturdays, Sundays or holidays.)
  • All transactions are converted to Eastern Time (ET) prior to initiating the nightly posting order process.
  • Cash and wire transfer deposits are available for withdrawal the same day, as they are processed throughout the day.
  • Funds from “pending” check deposits made after the displayed cutoff will not be included in the available balance to cover items that night and will be processed in the next business day's nightly processing.
  • Check deposits will be posted to your account and available for use after the nightly processing (unless a hold is placed). If there is a hold placed on your deposit, those funds are not available to cover items during posting or for withdrawals and purchases until the hold expires. Learn more about Holds.
  • Overdraft and returned item fees are added after each item is presented against a non-sufficient available balance during nightly processing. Non SunTrust ATM fees are applied after each ATM transaction. Other fees may post at the end of processing, if applicable.

Note: Overdraft fees may be assessed on checks, recurring debit card transactions and ACH and other items. Also, if you have accepted Overdraft Coverage, ATM and one-time debit card transactions may be assessed an overdraft fee.

Your account balance history is a click away.

Sign on to Online Banking. Select your "Checking," "Savings" or "Money Market Account" from the list on the left. Select "View Account Balance History" to see a snapshot of how your transactions were posted each night. The last 90 days are available. View pending transactions or any holds that were in place. See how your current balance and available balance changed after each item was processed. This helps you determine why an overdraft or returned item fee may have been charged. You can also hover over the question mark icons and certain terms to see definitions. The more you know about your transactions, the better you can manage your money.

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