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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

Minimum of 10 banking transactions per statement cycle1

OR

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

OR

$500 minimum daily balance

OR

Open as a student and receive a five-year Student Waiver3

Select Checking $15

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

OR

Maintain a $2,000 minimum daily Select Checking balance

OR

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

OR

Linked Small Business Checking account5

Signature Advantage® Checking $25 $25,000 minimum daily balance in linked deposits and investments6
Balanced Banking $12 $3,000 minimum daily total deposit balance

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 Mainenance 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 balance

$4 each if more than two withdrawals are made per statement cycle, including over-the-counter, ATM and pre-authorized transfers8

Do not exceed more than two withdrawals per month including over-the-counter, ATM and pre-authorized transfers9

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 transfers8 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 paperless statements via Online Banking.

    Sign on to Online Banking

  • ATM Fees

    As a SunTrust client, you'll never pay a fee at any of our 2,200+ ATMS.10 Plus, if you have a Signature Advantage® checking account, you can avoid the standard $3.00 processing fee at non-SunTrust ATMs as well.11

    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

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.

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