At SunTrust, we want you to feel prepared for whatever life throws your way.
That’s why we offer options to keep you in control of your transactions–Overdraft Protection and Overdraft Coverage.
Let’s talk about the differences.
Say you need to make a 75 dollar purchase with your debit card, but your checking balance is only 50 dollars. Now what?
With Overdraft Protection, one of your other SunTrust accounts is linked to your checking account.
If you have enough money in the linked account, funds are automatically transferred to cover your purchase.
There’s a fee for the transfer, which is less than the usual overdraft fee.
And voila! Your purchase is approved.
Now, when you accept Overdraft Coverage, SunTrust may cover your one-time debit and ATM transactions.
So with insufficient funds for your 75 dollar purchase, SunTrust may cover the difference.
An overdraft fee applies for every transaction of 5 dollars or more that SunTrust pays for you.
And just like that, your purchase is approved.
Your Overdraft Coverage decision will not affect whether checks, ACH and recurring debit card transactions are covered. SunTrust may approve these at our discretion based on a variety of factors. Fees may apply.
If you have both Overdraft Protection and Overdraft Coverage, we’ll use Overdraft Protection first.
Without either service, your debit card purchase will be declined.
Want to avoid paying fees? Deposit or transfer enough money to bring your balance positive by the deposit cut-off time that day.
To make your choice about these services, visit a SunTrust branch, call us or sign on to Online or Mobile Banking.
For account-related fees, review the fee schedule, and for more tools and info, visit suntrust.com/thefacts.
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