1Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Popmoney transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale [POS] and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.
2A qualifying Direct Deposit is a Direct Deposit of your salary, pension, Social Security or other regular monthly income of $500 or more per deposit electronically deposited to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
3The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to five years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened.
4Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities), SunTrust consumer installment loans and lines of credit, including credit card, and either have a SunTrust Mortgage with a balance greater than $10,000 or a SunTrust Mortgage where the monthly payment is auto deducted through SurePay.
5Linked Small Business accounts include Total Business Checking and Business Advantage Plus only.
6Total Deposits: The sum of balances in the Signature Advantage Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities).
7Linked personal deposits include checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs [SILCs]) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).
8The excessive withdrawal fee applies to items such as ATM, point-of-sale, over-the-counter withdrawals, ACH and telephone funds transfer transactions. Applicable fees assessed at the time of withdrawal. The excessive withdrawal fee is assessed, regardless of the balance, if more than six pre-authorized, telephone funds transfers or third-party transactions are paid during the statement period. Applicable fees assessed at the time of withdrawal.
9Limit of two withdrawals per calendar month unless you are on a combined statement, in which case you are limited to two withdrawals per combined monthly statement cycle.
10Non-SunTrust ATMs may charge additional fees. These are not covered unless you have a Signature Advantage® checking account.
11Fees are waived for use of non-SunTrust ATMs and you receive unlimited refunds for ATM fees from other institutions.
12Federal banking regulations limit clients to six preauthorized, telephone or on¬line transfers to other SunTrust bank accounts or to third parties. Additionally, this limitation includes drafts or similar orders made payable to a third party. The limitation applies per month. If a client routinely exceeds these limitations, the Bank may close the account or convert it to a checking account. The federal regulatory limit applies regardless of account balance.