Account Maintenance and Other Fees

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

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.

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.

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.

ATM Fees

As a SunTrust client, you'll have no-fee access to our 2,000+ ATMS.12 Plus, if you have an Advantage Checking account, there is no SunTrust fee for three non-SunTrust ATM transactions per statement cycle.13

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 Zelle® 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 Minimum daily total deposit balance: The sum of the combined daily collected balances in the Balanced Banking account and linked personal deposits including checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs [SILCs]) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).

2 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, Zelle® 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.

3 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the current 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.

4 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.

5 Any maintenance fees will be assessed on the following month’s statement unless at least one of the following criteria is met:

  • Have a qualifying Direct Deposit, which is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $3,000 or more deposited to your account during the prior month 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. 
  • Hold a total relationship balance of $10,000, which is the sum of balances on the last business day of the month in the Advantage Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. 
  • Link a personal SunTrust Credit Card, Mortgage, or Loan (Including loans done through LightStream). 
  • Link an eligible Small Business account which includes, Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking & Primary Business Checking

6 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.

7 The $7 Monthly Maintenance Fee is waived for the Select Savings account for each statement cycle in which an incoming electronic transfer or electronic deposit totaling at least $25 occurs OR a minimum daily collected balance of $1,000 is maintained. ATM transactions and over-the-counter transactions do not apply. Please see the Fee Schedule at suntrust.com/disclosures for further details.

Minimum daily total deposit balance: The sum of the combined daily collected balances in the Balanced Banking account and linked personal deposits including checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs [SILCs]) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).

8 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.

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.

10 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.

11 For Advantage 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.

12 ATMs: No fees for SunTrust ATM use. Fees apply for ATM-printed statements or mini-statements.

13 For Up to three SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and three ATM surcharge fees will be refunded for Advantage Checking accounts per statement cycle.

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