How To Open an Account

What do I need to know when opening a new bank account?

It all starts with the kind of account you want to open and the way you prefer to open it. After that, there are only a handful of steps to get your account up and running. We can help you with it all—no matter which account(s) you choose to open.

What do I need to know when opening a new bank account

Choose your bank account(s) and let's get started.

The list below can help you accomplish the most important steps to opening a new account. Depending on the account(s) you've chosen, some steps may not apply.

  • Step 1: Choose your account(s)

  • Step 2: Decide how to open it

    • All of the options below are available to you no matter which account(s) you choose to open.

  • Step 3: Set up Online Banking

    • Online Banking is an essential part of using your account(s) and managing your money. With it, you can view details for all of your SunTrust accounts in one place, with one password, any time of day. If you opened your account in a branch or over the phone, you received an email from SunTrust with an Online Banking signup link and instructions. You must use this link to sign up.

      Can't find your Online Banking signup email? Call us at 800.SUNTRUST Monday–Friday 8 a.m.–8 p.m. or Saturday 8 a.m.–5 p.m.
      Or, stop by a branch.

  • Step 4: Make your first deposit

    • This is an important step in the account opening process because it helps ensure that your account stays open and active. No money in your account makes it seems like you don't use it or need it.

      Here are some simple ways to make your first deposit:

  • Step 5: Activate your debit card

    • This step will only apply to you if you open a checking account. It will take about a week to receive your debit card in the mail, and it will come with a letter listing your simple options for activation. If you haven’t received your debit card after seven business days from the time you opened your account, contact us and we’ll help make sure you get one.

      Call 800.SUNTRUST
      Monday–Friday 8 a.m.–8 p.m. and Saturday 8 a.m.–5 p.m.
      Or, come in and talk with us in person.
      Find a branch

Your Other Account Opening Questions Answered:

What will I need to open my account(s)*?

  • Legal name
  • Permanent street address
  • Social Security number or TIN
  • Date of birth
  • Driver’s license
  • State ID
  • Passport

What can I expect to receive at account opening?

  • Welcome kit with account disclosures and fee information
  • Promotional materials
  • Features and benefits brochure for your new account

Are there fees for opening an account?

There's never a fee to open an account, but there are other account-related fees (i.e., paper-statement fee, monthly maintenance fee, etc.) for most accounts. To learn more about fees and how to avoid them, visit our Account Maintenance and Other Fees page.

Learn About Fees >


* To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, or when you are added to an existing account, we will ask for your name, permanent street address, Social Security number or TIN, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license, state ID, Passport, or other primary identification documents. If you are a nonresident alien, we will record your Passport number, the name of the country that issued the Passport and your foreign address. We will accept a Post Office box only as a mailing address.


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