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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Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, P.J. Robb Variable Corp., and Precept Advisory Group, LLC, which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow, are divisions of BB&T Securities, LLC. Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRALink opens a new window and SIPCLink opens a new window.
Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become Truist, both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees, and pricing.
Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.