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Other Fees

Are there other fees besides overdraft fees, and how can I avoid them?

Since this is all about the facts, we want to make sure you understand what the fees are for the services that we offer, and what your options are to avoid paying the unnecessary ones.

The ways you're able to avoid fees depend on which account(s) you have. That's why choosing the right account for your banking needs is important.

The charts below show you an account-by-account breakdown of the fees related to account maintenance and using your account(s), and providing you with features and services. Plus, you'll see how easy it is to avoid them.

Checking Account Monthly Maintenance Fees

Essential Checking $7

Make 10 or more client-initiated transactions per statement cycle1

OR

Make $500 or more in total qualifying monthly Direct Deposits per statement cycle2

OR

Keep $500 minimum daily collected balance

OR

Open as a student and receive a 5 year Student Waiver3

Select Checking $15

Make $2,000 or more in total qualifying Direct Deposits2

OR

Keep a $2,000 minimum daily Select Checking balance

OR

Maintain $10,000 total combined relationship balances linked across deposits, investments, mortgages, and loans4

OR

Hold a SunTrust Mortgage with SurePaySM5

OR

Hold a Linked Small Business Checking account6

Signature Advantage® Checking $25 Maintain $25,000 in total deposit balances7
Balanced Banking $12 Maintain a $3,000 minimum daily total deposit balance in Balanced Banking and linked checking, savings, money markets, CDs and IRAs8

All of our checking accounts offer ways to avoid monthly maintenance fees.

Find the one that can help you save money each month and increase your financial well-being.

View Checking Accounts >

Savings Account Monthly Maintenance and Withdrawal Fees

Essential Savings $3 Paper Statement Fee Client must receive a paperless online statement or they will be charged $3 for each monthly paper statement None N/A
Select Savings $7

Set up a minimum automatic transfer of $25 per month from a SunTrust personal checking account

OR

Maintain a $1,000 minimum Daily Collected balance14

$4 each if more than two withdrawals are made per statement cycle, including over-the-counter, ATM and pre-authorized transfers9

Do not exceed more than two withdrawals per month including over-the-counter, ATM and pre-authorized transfers10

OR

Maintain a minimum Daily Collected balance of $2,500 or more

Signature Money Market Savings $15

Set up a minimum automatic transfer of $100 per month from a SunTrust personal checking account

OR

Maintain a $5,000 minimum Daily Collected balance

$15 each if more than six withdrawals are made per statement cycle, including over-the-counter, ATM and pre-authorized transfers9 Do not exceed more than six withdrawals per statement cycle including pre-authorized, telephone or online transfers to your other SunTrust bank accounts or to third parties. This also includes checks, drafts or similar orders you make payable to a third party.

Other fees to know about:

  • Paper Statement Fee

    A couple of our accounts, Essential Checking and Essential Savings, include a $3 paper statement fee. To avoid this fee, simply enroll in online statements via Online or Mobile Banking. Learn more about online statements.

    Sign on to Online Banking

  • ATM Fees

    As a SunTrust client, you'll never pay a fee at any of our 2,200+ ATMS.11 Plus, if you have a Signature Advantage® checking account, you can avoid the standard $3.00 processing fee at non-SunTrust ATMs as well.12

    Find a SunTrust ATM

  • Stop Payment Fee

    In the event you need to stop a transaction before it's complete, like a check you've written, a pending ACH transaction or even a Popmoney® transfer, a $36 fee will be issued.

  • Deposited Item Returned Fee

    If you deposit a check, but the account that the check came from doesn't have the funds to cover the amount, you will be charged a fee. $12.50 for domestic checks that are returned unpaid, and $40.00 for international checks.

DISCLAIMERS

1 Banking 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.

2 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income 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.

3 The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 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.

4 Total 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 or SunTrust Mortgages.

5 SunTrust First Mortgage with SurePaySM: Purchase first mortgage loans financed through SunTrust Mortgage, Inc. with payment automatically deducted from this account using SurePaySM. SurePaySM is a monthly electronic debit via ACH of SunTrust Mortgage loan payment from this account. Sufficient funds must be in the client’s bank account at time of automatic debit.

6 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only.

7 Total 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).

8 Linked personal deposits include checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs [SILCs]) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).

9 The 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.

10 Limit 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.

11 Non-SunTrust ATMs may charge additional fees. These are not covered unless you have a Signature Advantage® checking account.

12 SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and all ATM surcharge fees will be refunded for Signature Advantage accounts.

13 Withdrawal Transaction Limitations. Savings and Money Market accounts are governed by Federal regulations, which limit the number of certain types of transactions. From your Savings or Money Market accounts, you are limited to six preauthorized, telephone or on-line transfers to your other SunTrust Bank accounts or to third parties. Additionally, this limitation includes checks, drafts, or similar orders you make payable to a third party. The limitation applies per statement period, calendar month or statement cycle (or similar period) of at least four weeks. Due to IRS Regulations, these transfer options are not available for Money Market IRAs. In determining when a transfer is made, Bank will use the date the transfer is paid. If you routinely exceed these withdrawal limitations on your Savings or Money Market accounts, the Bank may close the account or convert the account to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfers to other accounts, which you have with us when these transfers are made by messenger, in person or through ATMs. The federal regulatory limit applies regardless of account balance

14 Monthly maintenance fee is waived for each month in which one (1) automated transfer ($25 minimum) occurs OR a minimum daily collected balance of $1,000 is maintained. Automated transfers must come from a SunTrust personal checking account. ATM transactions and over the counter transactions do not apply. Please see Fee Schedule for further details.

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